Dental Coverage VPP offers dental coverage through Principal, with two plan options: PPO Low Plan or the PPO High Plan. To improve access to high quality, affordable dental care, VPP has upgraded the PPO Low Plan. This includes a coinsurance enhancement for preventative care – from 50% to 100% coinsurance. Additionally, the OON Deductible has been reduced over 6 times and is now $50 for individual deductible and $150 for the family deductible.
Preventative care Includes: Routine Oral Exams, X-rays, and Cleanings twice per year Basic care includes: Fillings, General Anesthesia, and Simple oral surgeries (i.e., extractions and root canals) Major care includes: Crowns, Dentures, Bridges, and Complex oral surgeries
PLAN HIGHLIGHTS
Dental Plan Benefits
PPO Low Plan
PPO High Plan
In-Network
Out-of-Network*
In-Network
Out-of-Network*
Annual Individual Deductible
$0
$50
$50
$50
Annual Family Deductible
$0
$150
$150
$150
100% Coinsurance after deductible 30% Coinsurance after deductible 25% Coinsurance after deductible
100% Coinsurance no deductible 80% Coinsurance after deductible 50% Coinsurance after deductible
100% Coinsurance no deductible 80% Coinsurance after deductible 50% Coinsurance after deductible
Preventative Care
100% Coinsurance
Basic Procedures
80% Coinsurance
Major Procedures
40% Coinsurance
Calendar Year Max
$1,000 per person
$2,000 per person
Orthodontia
N/A
$1,500 lifetime maximum for dependents up to age 19
*Additional employee payment responsibility known as ‘Balance Billing’ applies to all out of network services. EMPLOYEE CONTRIBUTIONS
Dental Plans
PPO Low Pre-Tax Costs
PPO High Pre-Tax Costs
Monthly Cost
Per Pay Period
Monthly Cost
Per Pay Period
Employee
$16.25
$7.50
$45.36
$20.94
Employee + Spouse
$31.95
$14.75
$83.75
$38.65
Employee + Child(ren)
$45.06
$20.80
$121.81
$56.22
Family
$60.90
$28.11
$169.35
$78.16
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