How does my plan work? Your plan covers a range of services for you and your family. Highlights of your benefits can be found below. Benefits are paid after any applicable deductible has been met, up to the annual maximum. For more specific information, please ask to see the certificate of insurance. Why is Dental insurance a smart choice? Compare the annual cost of your Dental insurance with paying your dental expenses yourself:
Average charge 1 for dental procedures in FORT WAYNE: Adult cleaning
$81 twice yearly =$162 $45 twice yearly =$90
Oral examination Bitewing x-rays
$58
Total annual cost for preventive care $310 Other services you or a dependent may need: Fluoride treatment $30 One surface filling $143 Root canal $1,074 Crown $993 Gum scaling $240
Weekly (52) Cost for Dental Insurance*
High Plan
Low Plan
$9.30
$3.88
For you
$18.56
$7.76
For you and your spouse
$19.56
$7.29
For you and your child(ren)
$30.37
$11.59
For you and your family
* Your actual cost may vary depending upon your employer’s contribution toward the cost of the plan.
How can using a network dentist help lower my costs? You are free to use the dentist or specialist of your choice. However, when you choose a dentist in the Assurant ® Dental Network, your plan’s PPO network, you may save money. Using a network dentist may lower your out-of- pocket costs and can make your annual maximum go further. The dental network for your plan includes 100,000+ unique dentists contracted with Dental Health Alliance, L.L.C. ® (DHA ® ) and dentists under access arrangements with other dental networks. To find a dentist in your area, or to nominate your dentist to participate in our network, go to www.sunlife.com/findadentist, under PPO plans, select your dental network, or call Customer Service at 888.901.6377. What are my plan options? Your employer is offering you a choice of two plans. Please review the information on the next page and choose the one plan that best fits your needs.
1 Average Retail Costs were determined by Union Security Insurance Company and Union Security Life Insurance Company of New York national claims analysis for the year 2017. The costs represent a mean average rounded to the nearest dollar representing what you may pay without plan services.
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