Dental Insurance
Cardinal Plan, adminstered by ARM:
Schedule of Benefits:
- Class I Procedures - Preventive Care -100%
Fluoride, Cleanings, X-Rays, Sealants
- Class II Procedures - Basic - 80%
Routine fillings, Extractions, Endo/Perio
- Class III Procedures - Major Care - *50%
Bridges/Crowns, Dentures
- Class IV Procedures - Orthodontics - 50%
Deductibles (apply to Classes II & III only) $50 Per Individual
Deductible(s) based on Calendar year $150 Per Family
Annual Maximum Benefit Per Individual - $1,000
Annual Maximum is based on Calendar Year
Orthodontia Lifetime Maximum $500
(Orthodontic benefits are only available to dependent children up to age 19)
*Coverage Subject to Waiting Period(s) 12 Months (Class III)
Waiting period waived with evidence of prior 12-month dental coverage.
Deferred Coverage Limits:
If you request coverage for you or your dependent(s) more than 31 days after the date the person is eligible, deferred coverage limits will apply. Benefits will be paid for Class I services only for the first 12 months.
Dental Insurance Rates |
Payroll Cycle (per paycheck) |
|
Weekly |
Bi-Weekly |
Semi-Monthly |
Monthly |
Employee |
$9.46 |
$18.92 |
$20.50 |
$40.99 |
Employee and Spouse |
$18.56 |
$37.11 |
$40.21 |
$80.41 |
Employee and Family |
$31.06 |
$62.13 |
$67.31 |
$134.61 |
Employee and Child(ren) |
$21.84 |
$43.67 |
$47.31 |
$94.62 |
|
For more information about any of these benefits, customized programs, or to obtain enrollment forms, contact a Cardinal Advisor at 800.342.4742. We would be happy to provide you a free consultation on whether or not our services are a fit for you business. |
