Dental Insurance
Dental insurance is provided with a separate election. Coverage varies according to the option chosen.
You can only change dental plans during the open enrollment period in October every year. The choices you make in open enrollment will be for the next calendar year starting January 1. If you don’t make any changes, you will automatically keep your current plan.
Deseret Dental covers 50% of services up to a maximum of $1,100 per person, per year. Routine dental visits are covered 100% after $15 copay. Orthodontics are covered at 50% up to $1,500 per person, per lifetime.
Deseret Dental PLUS covers 80% of services up to a maximum of $1,500 per person, per year. Routine dental visits are covered 100% after $15 copay. Orthodontics are covered at 50% up to $2,000 per person, per lifetime.
| Plan Benefits | Deseret Dental | Deseret Dental PLUS |
| Annual Maximum | $1,100 per person The participant is responsible for all charges after reaching the annual maximum. | $1,500 per person The participant is responsible for all charges after reaching the annual maximum. |
| Hospitalization and Anesthesia | 50% when authorized | 80% when authorized |
| Oral Surgery | 50% | 80% |
| Orthodontics | 50% Up to $1,500 per lifetime 100% after your $25 deductible per person each calendar year | 50% Up to $2,000 per lifetime 100% after your $25 deductible per person each calendar year |
| Preventive Care | Doesn't count toward annual maximum; time limits apply | Doesn't count toward annual maximum; time limits apply |
| Restorative Care | 50% Time limits apply | 80% Time limits apply |
| Sealants | 100% through age 15 (Two sealants per tooth per lifetime) | 100% through age 15 (Two sealants per tooth per lifetime) |