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Employee Choice Benefits Products - Dental Plans ebc_line

3 Dental Categories, 7 Dental Plans... 1 Dental Bill!

For the Dual-Choice Dental and Triple-Choice Dental programs, employees select the plan that best suits their needs. For your reference, the charts and sample quotes below provide some benefit highlights for each plan.

 

Bronze Standalone

Any single plan with 2 or more enrolled lives.

 

• Preventative no-charge

• Restorative no-charge/low cost

• Oral Surgery no-charge/low cost

• Endodontics no-charge/low cost

• Periodontics no-charge/low cost

• Orthdontia larger copay

• Select a network dentist only

• Available in 27 states with an estimated 19,000 providers

• No deductible to satisfy

• Choice of low copay schedules

• No claim forms to complete

• No annual maximums apply

• Unlimited services

• Orthodontia (child and adult)

• No waiting periods

• No pre-authorizations

• Cosmetic dentistry(optional)

• Immediate coverage for all services

• Low monthly cost

DHMO Note >>>

• Deductible 25/50/100/100

• UCR at 80th or 90th percentile

• Annual Max 1000/1500/2000

• Optional no waiting period

• Optional Orthodontia 1000/1500

• Coinsurance 100/100/60, 100/90/60, 100/80/50

• Select a dentist of your choice

• Flexible plan design options

• Out-of-networkcoinsurances applied to the Maximum Allowable Charge (MAC)

• 64,000-plus provider locations nationwide2

• Orthodontia (optional)

• Two-year rate guarantee (optional)

• Annual maximums apply

• Deductible payable

• No cosmetic dentistry

• Waiting periods may apply

• Out-of-pocket costs are not fixed

• Low monthly cost

AIG Group PPO Notes >>>


• Deductible 25/50/100/100

• UCR at 80th or 90th percentile

• Annual Max 1000/1500/2000

• Optional no waiting period

• Optional Orthodontia 1000/1500

• Coinsurance 100/100/60, 100/90/60, 100/80/50

• Select a dentist of your choice

• Flexible plan design options

• Out-of-networkcoinsurances applied to Reasonable and Customary (R&C) charges

• Limit for R&C charges at 80th or 90th percentile

• 64,000-plus provider locations nationwide22

• Orthodontia (optional)

• Two-year rate guarantee (optional)

• Annual maximums apply

• Deductible payable

• No cosmetic dentistry

• Waiting periods may apply

• Out-of-pocket costs are not fixed

AIG Group PPO Notes >>>

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Silver Dual Choice

Employer chooses one Regional DHMO along with a AIG Group PPO plan (MAC or R&C) or with a HiI/Low AIG Group PPO. Minimum of 5 enrolled lives; 3 enrolled lives for AIG Group PPO.

 

• Preventative no-charge

• Restorative no-charge/low cost

• Oral Surgery no-charge/low cost

• Endodontics no-charge/low cost

• Periodontics no-charge/low cost

• Orthdontia larger copay

• Select a network dentist only

• Available in 27 states with an estimated 19,000 providers

• No deductible to satisfy

• Choice of low copay schedules

• No claim forms to complete

• No annual maximums apply

• Unlimited services

• Orthodontia (child and adult)

• No waiting periods

• No pre-authorizations

• Cosmetic dentistry(optional)

• Immediate coverage for all services

• Low monthly cost

DHMO Note >>>

• Deductible 25/50/100/100

• UCR at 80th or 90th percentile

• Annual Max 1000/1500/2000

• Optional no waiting period

• Optional Orthodontia 1000/1500

• Coinsurance 100/100/60, 100/90/60, 100/80/50

• Select a dentist of your choice

• Flexible plan design options

• Out-of-networkcoinsurances applied to the Maximum Allowable Charge (MAC)

• 64,000-plus provider locations nationwide2

• Orthodontia (optional)

• Two-year rate guarantee (optional)

• Annual maximums apply

• Deductible payable

• No cosmetic dentistry

• Waiting periods may apply

• Out-of-pocket costs are not fixed

• Low monthly cost

AIG Group PPO Notes >>>

• Deductible 25/50/100/100

• UCR at 80th or 90th percentile

• Annual Max 1000/1500/2000

• Optional no waiting period

• Optional Orthodontia 1000/1500

• Coinsurance 100/100/60, 100/90/60, 100/80/50

• Select a dentist of your choice

• Flexible plan design options

• Out-of-networkcoinsurances applied to Reasonable and Customary (R&C) charges

• Limit for R&C charges at 80th or 90th percentile

• 64,000-plus provider locations nationwide22

• Orthodontia (optional)

• Two-year rate guarantee (optional)

• Annual maximums apply

• Deductible payable

• No cosmetic dentistry

• Waiting periods may apply

• Out-of-pocket costs are not fixed

AIG Group PPO Notes >>>

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Gold Triple Choice

Employer chooses one Regional DHMO, one MAC PPO and one R&C PPO plan, providing the employees 3 dental plan choices. Minimum of 5 enrolled lives, 3 enrolled lives for AIG Group PPO. Gold Triple Choice AIG Group PPO R&C, Gold Triple Choice AIG Group PPO MAC, Gold Triple Choice Hi/Low AIG Group PPO/Regional DHMO. The Triple Choice Plan offers three product types under one package; (1)AIG Group PPO; (2)AIG Group PPO (IN network ONLY); and (3) Pre-Paid Regional DHMO. Each product type includes Dental, Vision and Orthodontia as a package and gives the Broker the selection of unparalleled products, plan designs and options at affordable rates, guarantees and Client Services not offered elsewhere in the industry. Triple Choice Plan makes the distribution and installation of its dental plans as easy as 1-2-3.

 

• Preventative no-charge

• Restorative no-charge/low cost

• Oral Surgery no-charge/low cost

• Endodontics no-charge/low cost

• Periodontics no-charge/low cost

• Orthdontia larger copay

• Select a network dentist only

• Available in 27 states with an estimated 19,000 providers

• No deductible to satisfy

• Choice of low copay schedules

• No claim forms to complete

• No annual maximums apply

• Unlimited services

• Orthodontia (child and adult)

• No waiting periods

• No pre-authorizations

• Cosmetic dentistry(optional)

• Immediate coverage for all services

• Low monthly cost

DHMO Note >>>

• Deductible 25/50/100/100

• UCR at 80th or 90th percentile

• Annual Max 1000/1500/2000

• Optional no waiting period

• Optional Orthodontia 1000/1500

• Coinsurance 100/100/60, 100/90/60, 100/80/50

• Select a dentist of your choice

• Flexible plan design options

• Out-of-networkcoinsurances applied to the Maximum Allowable Charge (MAC)

• 64,000-plus provider locations nationwide2

• Orthodontia (optional)

• Two-year rate guarantee (optional)

• Annual maximums apply

• Deductible payable

• No cosmetic dentistry

• Waiting periods may apply

• Out-of-pocket costs are not fixed

• Low monthly cost

AIG Group PPO Notes >>>


• Deductible 25/50/100/100

• UCR at 80th or 90th percentile

• Annual Max 1000/1500/2000

• Optional no waiting period

• Optional Orthodontia 1000/1500

• Coinsurance 100/100/60, 100/90/60, 100/80/50

• Select a dentist of your choice

• Flexible plan design options

• Out-of-networkcoinsurances applied to Reasonable and Customary (R&C) charges

• Limit for R&C charges at 80th or 90th percentile

• 64,000-plus provider locations nationwide22

• Orthodontia (optional)

• Two-year rate guarantee (optional)

• Annual maximums apply

• Deductible payable

• No cosmetic dentistry

• Waiting periods may apply

• Out-of-pocket costs are not fixed

AIG Group PPO Notes >>>

ebc_lineAIG Group PPO dental products underwritten by:
AIG Life Insurance Company Wilmington, Delaware
A member company of American International Group, Inc.

The underwriting risks, financial obligations and support functions associated with the products issued by AIG Life Insurance Company are its responsibility. AIG Life Insurance Company is responsible for its own financial condition and contractual obligations. This is a summary only of products and services offered. Actual offerings may vary by group size and by state. All products are subject to the terms, conditions, limitations and exclusions of the group policies.

Policy form series numbers: G-DEN-42000

AIG Life Insurance Company and American General Life Insurance Company do not solicit business in the state of New York.

 

DHMO companies vary by location and include CompBenefits, Golden West, Dominion, Health Plex, Beta Health Association and Total Dental.

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Contact Us for Quoting, Marketing, adn Administration Regarding the AIG Group PPO Dental Plan and Other Regional DHMOs