PPO flexibility with specialist access at an affordable price

Best for Clients who want traditional PPO coverage — including in-network specialists — at a lower premium, and are comfortable with a coinsurance structure.

At a glance

• Annual maximum: $1,000 per person
• Deductible: $100 individual / $300 family
• Network: Advantage-D Plus / PPO (700+ Idaho providers)
• Waiting periods: None for preventive · 6 months basic · 12 months major

Coverage

• Preventive: 100% in-network · 100% up to MAC out-of-network
• Basic: 50% in-network · 50% up to MAC out-of-network
• Major: 25% in-network · 25% up to MAC out-of-network
• Oral surgery 50% · Endodontics 25% · Periodontics 25%

Important to know

• In-network specialists covered at plan benefits
• Includes implant coverage
• Orthodontics: discount only
• Out-of-network services subject to MAC; waiting periods may be waived with prior credible coverage

Our broadest network and strong coverage — without orthodontics

Best for Clients who want the largest provider network and solid major-service coverage at a moderate premium, and don't need orthodontic benefits.

At a glance

• Annual maximum: $1,000 per person
• Deductible: $50 individual / $150 family
• Network: Premier-D (700+ Idaho providers, includes specialists)
• Waiting periods: None for preventive · 6 months basic · 18 months major

Coverage*

• Preventive: 100% in-network · 80% out-of-network
• Basic: 60% in-network · 50% out-of-network
• Major: 50% in-network · 40% out-of-network

*See any dentist; save more in-network. Out-of-network subject to MAC.

Important to know

• Largest provider network of the lineup — general dentists and includes in-network specialists
• Orthodontics: discount only (no coverage)
• Major (Type 3) sub-limit of $500 per year within the $1,000 max

Our richest coverage — includes orthodontics

Best for Families who use dental services regularly and want the highest annual maximum, the broadest network, and orthodontic coverage for their children.

At a glance

• Annual maximum: $1,500 per person
• Deductible: $25 individual / $75 family
• Network: Premier-D (700+ Idaho providers, includes specialists)
• Waiting periods: None for preventive · 6 months basic · 15 months major · 24 months orthodontics

Coverage (out-of-network up to MAC)

• Preventive: 100% in-network · 100% out-of-network
• Basic: 80% in-network · 80% out-of-network
• Major: 50% in-network · 50% out-of-network
• Orthodontics: 50% for children up to age 19 ($1,000 lifetime max); adults discount only

Important to know

• The only plan with covered orthodontics — a strong fit for families with teens
• Includes general dentists and in-network specialists
• Waiting periods may be waived with prior credible coverage