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Product Info Table

Program Features

Preferred Provider Organization (PPO)

Dental Health Maintenance Organization (HMO)/Managed Care


Available to individuals and their family members nationwide

Will only be available to residents of CA, FL, NY and TX.

Choice of Dentists

You have the flexibility to choose any licensed dentist, in or out of the network, and still receive cost saving benefits. Your cost may be higher when you visit an out-of-network dentist.

You must pre-select a dentist, at time of enrollment, who participates in the network in order to receive benefits. Each enrolled family member may select a different participating dentist and has the ability to change dentists up to one time each month.

Specialty Care

No referral needed for specialty care. You may choose any specialty dentist (in- or out-of-network) and call them to make an appointment

If your selected participating dentist determines that you need the services of a specialty care provider, you may call a participating specialist directly.2

Traveling within the U.S.

You have access to one of the largest network of dentists in the U.S. You have the flexibility to visit any dentist, in- or out-of-network.

Dental HMO/Managed Care programs are based on the use of defined networks; general dental care is not accessible while traveling.The only exception is an emergency situation when you are unable to receive care from your selected participating dentist. Please refer to the Schedule of Benefits for more details.

Network Discount

All participating dentists have agreed to accept negotiated fees as payment in full for covered services. These fees typically range from 30% - 45% less than the average charges in the same community.

You have access to hundreds of dental services at costs that may be considerably lower than your cost would be without this program.4 You are responsible for the copayment or coinsurance for each covered service that is listed on your Schedule of Benefits, so you know what your out-of-pocket costs will be up front.

Deductible and Annual Maximum Benefit

Typically includes a yearly deductible and an annual benefit maximum. Please refer to the Schedule of Benefits for more specific information about the program.

No deductibles or annual maximums.

Participating Dentists

All participating dentists go through a rigorous and ongoing delection and review process.5

To view more information on the programs that are available to you, enter your zip code.

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