Benedent® with Guardian and the Benedent Wellness Initiative®
Effective Date: 1/1/2020 – 12/31/2020
Your dental benefit plan is a Consumer Directed, Money Purchase dental plan called Benedent®. Claims are funded and administered by Benemax.
With Benedent®, you may use any licensed dental provider of your choice. However, using an in-network provider offers cost advantages. Look up an In-Network Provider (make sure to select the DentalGuard Preferred Select Network).
All ADA approved dental procedures are covered with the exception of cosmetic services (e.g., teeth whitening and teeth bleaching).
Orthodontia is a covered service is paid under the same schedule of benefits. Coverage for orthodontia only extends to dependents up to the age of 19.
Your dental benefit will pay up to $1,500 per year per covered individual. There is no deductible and there are no distinctions amount preventive, basic and major services. There is no waiting period for major dental services.
- The first $200 of covered dental expense is payable at 100%.
- The next $1,000 is payable at 80%.
- The final $1,000 is payable at 50%.
The maximum dental benefit is $1,500 per plan year.
To view additional information about your dental plan, please see the Benemax Benefit Guide.
The Benedent Wellness Initiative®
The Benedent Wellness Initiative® encourages dental utilization for members who have been diagnosed with diabetes or who are pregnant, as studies show this can reduce medical expenses. For these individuals, a special schedule of benefits applies:
- All covered dental services are payable at 100% up to $1,500 per individual per year.
Members must have their physician complete the Letter of Medical Necessity to qualify for the Benedent Wellness Initiative®.
To view your claims online, click on Claims Connection and log into your account.