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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

Biweekly
Premium

Employee: $4.82
Employee/Spouse: $9.70
Employee/Child(ren): $12.62
Employee/Family: $17.50

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

Biweekly
Premium

Employee: $6.80
Employee/Spouse: $11.49
Employee/Child(ren): $14.86
Employee/Family: $17.43

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

Biweekly
Premium

Employee: $20.04
Employee/Spouse: $38.47
Employee/Child(ren): $45.33
Employee/Family: $59.97

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

Biweekly
Premium

Employee: $13.16
Employee/Spouse: $23.66
Employee/Child(ren): $27.84
Employee/Family: $33.78

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

Biweekly
Premium

Employee: $6.32
Employee/Spouse: $10.60
Employee/Child(ren): $11.50
Employee/Family: $16.49

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

Biweekly
Premium

Employee: $7.37
Employee/Spouse: $10.98
Employee/Child(ren): $11.65
Employee/Family: $18.55

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

Biweekly
Premium

Employee: $8.11
Employee/Spouse: $15.99
Employee/Child(ren): $19.07
Employee/Family: $24.35

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

Biweekly
Premium

Employee: $13.41
Employee/Spouse: $24.81
Employee/Child(ren): $27.72
Employee/Family: $40.25

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/

UnitedHealthcare Dental Sosltice

Pre-paid

Biweekly
Premium

Employee: $5.46
Employee/Spouse: $11.98
Employee/Child(ren): $14.95
Employee/Family: $20.99

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@mail.ucf.edu.


Last modified: 17 November 2009
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