Spear PT - 2026 Benefit Guide

Benefits for 2026

Dental

SUMMARY OF COVERAGE

Lincoln -DPPO Base

Lincoln - DPPO Buy Up

IN NETWORK Annual Deductible (Ind. / Family)

$50 / $150

$50 / $150

Preventive Care

No Charge

No Charge

Basic Procedures (Extractions, fillings, etc.) Major Procedures (Crowns, dentures, etc.)

50%

90%

50%

70%

50% (Children up to age 19 ONLY)

50% (Adults & Children)

Orthodontia

Orthodontia Lifetime Max

$1,000

$1,500

Calendar Year Maximum Benefit

$1,500

$3,000

OUT OF NETWORK

Annual Deductible (Ind. / Family)

$50 / $150

$50 / $150

Preventive Care

No Charge

No Charge

Basic Procedures (Extractions, fillings, etc.) Major Procedures (Crowns, dentures, etc.)

50%

80%

50%

50%

50% (Children up to age 19 ONLY)

50% (Adults & Children)

Orthodontia

Orthodontia Lifetime Max

$1,000

$1,500

Calendar Year Maximum Benefit

$1,500

$1,500

EMPLOYEE COST

Weekly

Bi-Weekly

Weekly

Bi-Weekly

Employee

$2.60

$5.21

$6.73

$13.46

Employee + Spouse

$7.08

$14.16

$15.36

$30.72

Employee + Child(ren)

$7.11

$14.22

$15.43

$30.86

Employee + Family

$11.65

$23.30

$24.18

$48.36

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

2026 Employee Benefit Guide

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