Quality dental care is an important part of safeguarding your overall health and well-being. Research has linked gum disease to complications for heart disease, stroke, diabetes, pre-term birth and other health issues. Quality dental insurance can help you and your family stay healthier, longer. GuideStone makes a choice of dental benefit options available through CIGNA Dental.
Premier Dental Care Plan
- Highest annual maximum benefit
- Richest coinsurance levels
- Higher monthly rate
- Allows flexibility to see any dentist (although in-network dentists provide services at reduced, contracted fees to help you manage your out-of-pocket costs)
- Available throughout the United States
Choice Dental Care Plan
- Mid-level benefits
- Moderate monthly rate
- Allows flexibility to see any dentist (although network dentists provide services at reduced, contracted fees to help you manage your out-of-pocket costs)
- Available throughout the United States
Guided Dental Plan (HMO)
- Lower monthly rate
- Patient Charge Schedule received from dentists in the DHMO network.
- Participants must choose a primary provider and use plan dentists and specialists to receive benefits.
- To find out if the Guided Dental HMO Plan is available in your area or to locate PPO or DHMO dental providers, use CIGNA's Provider Directory or call 1-888-98-GUIDE (1-888-984-8433).
- Note: If you plan to enroll, locate the 6-digit facility number of the dentist you would like to designate as your primary provider.
- Available only in select areas of AL, AZ, AR, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, KY, LA, MA, MD, MI, MN, MO, NE, NJ, NY, NC, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA and WI.
All GuideStone dental plans allow access to value-added benefits such as a vision discount plan, Weight Watchers®, smoking cessation programs and fitness club membership discounts.
| 2010 Benefits |
Premier Dental Plan1 |
Choice Dental Plan1 |
Guided Dental Plan |
| Providers |
May use any provider or save with network providers |
May use any provider or save with network providers |
Must use only selected provider in the network |
| Deductible (per person per year)2 |
$50 |
$50 |
No deductible |
| Annual maximum benefit |
$1,500 |
$1,200 |
No annual maximum |
| Preventive services (Type I) |
100% |
90% |
$5 office visit copay + applicable fee3 |
| Basic services (Type II — restorative dentistry) |
80% |
70% |
$5 office visit copay + applicable fee3 |
| Major services (Type III — crowns and major restoration) |
50% |
50% |
$5 office visit copay + applicable fee3 |
| Orthodontic maximum (Type IV)4 |
50% with a maximum benefit of $1,000 |
50% with a maximum benefit of $1,000 |
$5 office visit copay + applicable fee3 (24-month limitation) |
| Waiting periods |
Six to 24 months for certain services |
Six to 24 months for certain services |
None |
|
2010 Monthly Rates |
| Employee Only |
$33.91 |
$27.37 |
$16.89 |
| Employee + Spouse |
$69.03 |
$53.25 |
$28.57 |
| Employee + Child(ren) |
$69.03 |
$53.25 |
$28.57 |
| Employee + Family |
$118.10 |
$97.58 |
$46.79 |
1Coverage percentages based on reasonable and customary charges.
2Deductibles apply to basic and major services for the Premier Dental Care and Choice Dental Care Plans.
3Fees are based on the patient charge schedule.
4Only for dependent children under age 19 on the Premier Dental Care and Choice Dental Care Plans.