Multiple Group Dental Options Available through CHOICE Administrators
Employers looking to offer Dental coverage to employees have a variety of options available through CHOICE Administrators. Through the CaliforniaChoice private exchange, businesses can choose from three Dental plans. The Dentegra® Smile Club, available at no additional cost as part of the CaliforniaChoice Business Solutions Suite, offers reduced fees for dental care services. SmileSaverSM Dental 3000 and 1000 HMO plans are available for a low monthly payment and offer free office visits, oral exams, X-rays, and two cleanings per year. The Dental 3000 HMO can be added as a voluntary plan with no minimum employee participation. The third plan is an Ameritas Dental PPO, which offers a low deductible and the option to visit any dental provider, in- or out-of-network.
Dental Coverage For Larger Groups
Employers with two to 199 employees looking for more robust Dental Insurance may be interested in the ChoiceBuilder ancillary benefits exchange, which includes options from Ameritas, Anthem Blue Cross, Delta Dental, and MetLife. Anthem Blue Cross has both voluntary and employer-sponsored options with three new PPO plans added to ChoiceBuilder in 2016. The employer-sponsored plans offer a choice of annual maximums. The voluntary Anthem Silver PPO has a $1,500 maximum benefit. Orthodontic care is optional and includes a $2,500 lifetime maximum and 50 percent coinsurance. Delta Dental offers two DeltaCare USA HMO plans and two PPO plans through ChoiceBuilder. The HMO plans include 100 percent coverage for exams and diagnostics and no waiting period.
The PPO plans waive the annual deductible for diagnostic and preventive care and offer an option for orthodontic care, with 50 percent coinsurance. There is no waiting period on either PPO plan. MetLife Dental offers four Dental PPO plans – three employer-sponsored choices and one voluntary PPO plan. The MetLife Dental PPO program includes added savings at a PPO provider, the freedom to visit any dentist in or out of network, and no paperwork for patients (if the dentist files claims on their behalf). The PPO plans include in-network benefits of up to $2,500 annually and out-of-network benefits of up to $2,000 per year. For all four PPO plans, the deductible is waived for in-network diagnostic or preventive care. Orthodontic care is available. To learn more about the CaliforniaChoice multi-carrier private health exchange or the ChoiceBuilder ancillary benefits exchange, contact your employee benefits broker. If you don’t have one, we’ll help you find a broker.
