Staying healthy includes taking good care of your teeth and getting regular checkups. Lam offers three dental plan options to meet your needs: one covers basic preventive care and two others provide more comprehensive coverage, including orthodontia.
Delta Dental administers all three plans. All the plans offer provider choice. They include a preferred provider network in many areas, which saves you money. At the same time, they allow you to use any licensed dental provider you wish. But if you use Delta Dental PPO or Premier dentists:
- Your out-of-pocket costs will be lower, because these dentists agree to provide services at much lower costs. You’ll pay only your share of these reduced fees.
- You won't be billed for charges that are higher than your plan’s limits.
- Your claims are handled automatically.
You may also decline dental coverage by not enrolling.
Dental Plan Coverage
|Preventive Plan||Enhanced Plan||Premium Plan|
|About the Plan||Covers preventive care only* (exams, cleanings, X-rays, gum treatment)||Covers a wide range of dental services, including preventive care and orthodontia for covered children||Covers a wide range of dental services, including preventive care and orthodontia for covered children and adults|
|Annual Deductible||None||Delta Dental PPO dentists: $0
|Delta Dental PPO dentists: $0
|Annual Benefit Maximum||$1,200/individual||$1,500/individual, including preventive care||$2,500/individual, including preventive care|
|Preventive and Diagnostic Care*||Plan pays 100%||Plan pays 100%||Plan pays 100%|
(Fillings, extractions, etc.)
|Not covered||80% after deductible||80% after deductible|
|Major Restoration Care (crowns, onlays, bridges, dentures, implants)||Not covered||50% after deductible||60% after deductible|
|Dental Implants||Not covered||Up to 50% after deductible||Up to 50% after deductible|
|Orthodontia||Not covered||50%, up to a lifetime maximum of $1,500/child||50%, up to a lifetime maximum of $2,500/child or adult|
*Includes 2 exams per year, 3 cleanings per year (4 for pregnant women), and periodic X-rays.