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Dental Plans

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Dental Plans

Dental Plans


 

Good dental health is important to your overall health and well-being. Murray State’s Voluntary Dental

Insurance Program provides coverage for dental care. Principal Life administers the dental plan.

Explore Your Options

You can select Standard or Enhanced dental coverage.  Both options allow you to see any dentist you choose.

STANDARD OPTION:

Covered Services

Calendar-year Deductible

Coinsurance

Maximum Benefit*

Preventive procedures which include, but are not limited to:

  • Routine exams (two per 12 months)
  • Teeth cleaning (two per 12 months)
  • Fluoride treatments  (one every 12 months for dependent children under age 14)

$0

100%

$750 per person per calendar year

Basic procedures which include, but are not limited to:

  • Emergency exams (subject to routine exam frequency limit)
  • Bitewing x-rays (one set every 12 months)
  • Full mouth/Panoramic x-rays (one every 60 months)
  • Sealants (once per first and second permanent molar every 36 months for dependent children under age 14)
  • Fillings
  • Periodontal prophy (covered if 3 months following active periodontal treatment; subject to teeth cleaning frequency limit)

$0

80%/20%

Combined with above

*Maximums for preventive and basic procedures are combined.

ENHANCED OPTION:

Covered Services

Calendar-year Deductible

Coinsurance

Maximum Benefit*

Preventive procedures which include, but are not limited to:

  • Routine exams (two per 12 months.
  • Teeth cleaning (two per 12 months)
  • Fluoride treatments  (one every 12 months for dependent children under age 14)
  • Bitewing x-rays (one set every 12 months)
  • Full mouth/Panoramic x-rays (one every 60 months)

$10

100%

$1,000 per person per calendar year

Basic procedures which include, but are not limited to:

  • Emergency exams (subject to routine exam frequency limit)
  • Sealants (once per first and second permanent molar every 36 months for dependent children under age 14)
  • Fillings
  • Periodontal prophy (covered if 3 months following active periodontal treatment; subject to teeth cleaning frequency limit)

$10

80%/20%

Combined with above

Major procedures which include, but are not limited to:

  • Complex oral surgery (includes extraction of impacted teeth)
  • Endodontics (root canal therapy)
  • Non-surgical periodontics, including scaling and root planning (once every 24 months per quadrant)
  • Surgical periodontics (once every 36 months per quadrant)
  • Inlays, onlays, and crowns, including replacement (once per tooth every 120 months)
  • Full and partial dentures, including replacement (covered only if at least 60 months have elapsed since last placement)
  • Bridgework, including replacement (covered once per 120 months)

$100

50%/50%

Combined with above

 

 

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