Dental Insurance

91%

of adults ages 20-64 have dental cavities

Make sure you invest in a plan that is designed to provide you and your family with coverage for items such as cleanings, fillings, crowns and other related dental services.

The Delta Dental plan allows you to go to any provider you choose. There are two networks of dentists to choose from, Delta Dental PPO network and Delta Dental Premier® network. Your out-of-pocket costs will likely be the lowest if you use Delta Dental PPO provider.

You pay an annual deductible before the plan covers basics and major services. The deductible does not apply to preventative and diagnostic or orthodontic services. The plan pays a percentage of the charges for your treatment, up to the maximum annual benefit and also provides orthodontic benefits for your children with a separate lifetime maximum.

Lincoln also offers a dental plan through Humana (for NE Ohio employees only).

You may also select the Humana Plan (only available in NE Ohio), which is a dental HMO. Under this plan, you must use a dentist in their network. Your schedule of benefits lists the fee you pay directly to the dentist.

DENTAL OVERVIEW

DELTA DENTAL \| The chart below highlights the benefits of each dental program.
	DELTA DENTAL II
FEATURE	In-Network	Out-of-Network
Annual Deductible	$75 per person/$150 per family
Annual Benefit Maximum	$1,500 per person (Does not include orthodontics)
Preventive Care (exams, cleanings and bite-wing X-rays twice per year)	100%	100%
Basic Care (fillings, extractions and oral surgery)	80%	80%
Major Care (bridgework, dentures and repairs)	50%	50%
Orthodontics	50% For children through age 18 and under

HUMANA \| The chart below highlights the benefits of each dental program.
	Humana Dental Plan
FEATURE	NE Ohio Only
Annual Deductible	None
Annual Benefit Maximum	N/A
Preventive Care (exams, cleanings and bite-wing X-rays twice per year)	100% Coverage
Basic Care (fillings, extractions and oral surgery)	Varies, see schedule
Major Care (bridgework, dentures and repairs)	Varies, see schedule
Orthodontics	Discount, see schedule for children and adults