UCF Human Resources

Dental Insurance

Pre-paid plans generally have lower premiums and no deductibles, but you must choose a dentist on the plan. Indemnity plans have deductibles, but you may go to a dentist of your choice.

Ameritas

Indemnity with PPO Choice
Monthly Premium	Employee: $10.20 Employee/Spouse: $20.76 Employee/Child(ren): $27.00 Employee/Family: $37.56
Pre-Tax	Yes
Deductible	$50 per person per benefit year
Co-Payment	Varies with procedure. Save out of pocket if you go to a PPO provider
Coverages	See booklet
Comment	Maximum benefit per year is $1,000 per person. May use any dentist of your choice. Save out of pocket if you use a PPO dentist. Includes limited coverage of vision care.

Assurant

Pre-paid
Monthly Premium	Employee: $13.59 Employee/Spouse: $22.98 Employee/Child(ren): $29.73 Employee/Family: $34.86
Pre-Tax	Yes
Deductible	None
Co-Payment	Varies with procedure
Coverages	Examinations - No charge X-rays - No charge Routine cleanings - No charge Silver fillings - No charge Fluoride treatments - No charge Specialty care available at a 15 to 25 % discount
Comments	Must select a DentiCare dentist. Includes limited coverage of vision care. Please read limitations and exclusions.
Indemnity with PPO Free Choice
Monthly Premium	Employee: $41.48 Employee/Spouse: $79.63 Employee/Child(ren): $93.84 Employee/Family: $124.14
Pre-Tax	Yes
Deductible	$50 per person per benefit year
Co-Payment	Varies with procedure. Save out of pocket if you go to a PPO provider
Coverages	See booklet
Comment	Maximum benefit per year is $1,000 per person. May use any dentist of your choice. Save out of pocket if you use a PPO dentist. Includes limited coverage of vision care.

Cigna

Pre-paid
Monthly Premium	Employee: $26.32 Employee/Spouse: $47.32 Employee/Child(ren): $55.68 Employee/Family: $67.56
Pre-Tax	Yes
Deductible	None
Co-Payment	Varies with procedure
Coverages	Routine cleaning twice a year - No charge X-rays - No charge Fillings (Silver) - No charge Discount for Specialty Care & Orthodontics
Comments	Must select a Cigna dentist Pays for a second opinion No limit on annual benefits No per visit charge. Please read limitations and exclusions.

CompBenefits

Pre-paid

Monthly
Premium

Employee: $12.64
Employee/Spouse: $21.20
Employee/Child(ren): $23.00
Employee/Family: $32.98

Pre-Tax

Yes

Deductible

None

Maximum Insurance Allowance

Varies with procedure. Based on copayments.

Coverages

Routine cleaning twice a year - No charge

Fluoride treatment - No charge

Fillings (Silver) - No charge

Non-surgical extractions - No charge

Orthodontics and Speciality- 25% discount

Comments

Must select an ADP dentist. Please read limitations and exclusions. Includes limited vision benefits.

Indemnity

Monthly
Premium

Employee: $14.74
Employee/Spouse: $21.96
Employee/Child(ren): $23.30
Employee/Family: $37.10

Pre-Tax

Yes

Deductible

$50 per person per year; maximum of 3 family members.

Co-Payment

Varies with procedure

Coverages

Vary with procedure (see percentages in brochure)

Comments

Maximum benefit per year is $1,000 per person. May use any dentist of your choice. Includes limited vision benefits.

Network Plus DHMO Plan

Monthly
Premium

Employee: $21.90
Employee/Spouse: $43.18
Employee/Child(ren): $51.48
Employee/Family: $65.76

Pre-Tax

Yes

Deductible

None

Maximum Insurance Allowance

Varies with Procedure

Coverages

Routine cleaning twice a year - No charge

Fluoride treatment - No charge

Fillings (Silver) - No charge

Non-surgical extractions - No charge

Orthodontics and Specialty - Copayments- By referral from primary care dentist.

Comments

Must select a Network Plus DHMO PC dentist. Please read limitations and exclusions. http://www.compbenefits.com/custom/stateofflorida/

Preferred Plus DPPO Plan

Monthly
Premium

Employee: $29.50
Employee/Spouse: $54.58
Employee/Child(ren): $60.98
Employee/Family: $88.56

Pre-Tax

Yes

Deductible

$25 per person per year; maximum $50 family

Percentage Payment

Vary with procedure

Coverages

Varies with procedure (see payment schedule)

Comments

Maximum benefit per year is $1,200 per person. May use any dentist of your choice. Save out of pocket if use a PPO dentist. Please read limitations and exclusions. http://www.compbenefits.com/custom/stateofflorida/

United Dental Sosltice

Pre-paid
Monthly Premium	Employee: $10.91 Employee/Spouse: $23.95 Employee/Child(ren): $29.90 Employee/Family: $41.98
Pre-Tax	Yes
Deductible	None
Co-Payment	Varies with procedure. No Primary Care dentist selection required.
Coverages	Examinations - No charge X-rays - No charge Routine Cleaning- No charge Silver filings- No charge Fluoride treatment- No charge 25% discount for procedures not listed
Comment	Must select a UHC dentist. Please read limitations and exclusions

If you would like to speak with a representative from Benefits, please call (407) 823-2771 or e-mail benefits@ucf.edu.