DENTAL INSURANCE
AAPL offers dental coverage through Guardian. The Dental PPO Plan allows you to use in-network or out-of-network benefits. If out-of-network dentists are used, you will be responsible to pay the difference between Guardian’s allowed amount and what the dentist may charge, also known as “balance billing”. The charts below provides a brief overview of the plan.
DentalGuard Preferred
In-Network
Out-Of-Network
Deductible
$0
$50
Individual
$0
$150
Family
Annual Maximum (per covered member)
$1,500
$1,000
Preventive Services
Covered in full
Covered in full
Exams, Cleanings, & Fluoride
Basic Services
Fillings, Simple Extractions, Perio & Endo (other than those listed below) Major Services Crowns, Bridges, Surgical Extractions, Root Canal, Dentures, Osseus Surgery & Endo Molars
90% covered after deductible
80% covered after deductible
60% covered after deductible
50% covered after deductible
Orthodontia
Coinsurance Lifetime Maximum
50% covered after deductible $1,000 (combined maximum for in-network and out-of network)
Employer Cost Monthly
Employee Cost Monthly
Employee Cost Bi-Weekly
Dental PPO
Employee Only
$ 41.54
$ 0.00
$ 0.00
Employee + Spouse
$ 41.54
$ 47.88
$ 22.10
Employee + Child(ren)
$ 41.54
$ 73.61
$ 33.97
Employee + Family
$ 41.54
$ 108.76
$ 50.20
1 Subject to balance billing. Please refer to your plan document for specific details.
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