Dental Plans

Overview

MSC Services dental plan is offered through Unum. When possible, it is important to always stay in-network to reduce your out-of-pocket expense.

New for 2025, dental benefits will be offered through Unum. When you receive services from a Unum provider, you receive discounts on your dental care, meaning you save money on your portion of the cost of services, and your annual maximum goes further. To locate a dentist in-network, visit unumdentalcare.com.

Virtual Dental Visits

24/7 dental care for dental emergencies when an in-person visit isn't an option. Available for active dental members*. Visit unumdentalcare.com and click Virtual Dental Visits to get started.

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Unum Dental

	Passive MAC	Passive PPO
Calendar Year Deductible	$25 Per Covered Member Up to 3 Per Family	$25 Per Covered Member Up to 3 Per Family
Deductible Waived for Class A Services	Yes	Yes
Annual Maximum	$1,500 Per Covered Member	$2,500 Per Covered Member
Preventive: Class A Services	100% Covered by Unum	100% Covered by Unum
Basic: Class B Services	10% Member Paid 90% Unum Paid	10% Member Paid 90% Unum Paid
Major: Class C Services	40% Member Paid 60% Unum Paid	40% Member Paid 60% Unum Paid
Orthodontia: Class D Services	50% Member Paid 50% Unum Paid	50% Member Paid 50% Unum Paid
Endodontics	Class B service	Class B Service
Periodontics – Non-Surgical / Surgical	Class B service	Class B service
Oral Surgery	Class B Service	Class B Service
Crowns, Bridges, Implants, Dentures	Class C Service	Class C Service
Routine Exams and Cleanings	Class A Service	Class A Service
Out-Of-Network Reimbursement	Services Reimbursed from In-Network Schedule	Services Covered based on 90th Percentile
Waiting Periods (All Service Classes)	None	None
Class D: Ortho Maximum	$1,500 Per Lifetime	$1,500 Per Lifetime
Class D: Ortho Eligible Members	Dependent Children to Age 19	Dependent Children to Age 19

UNUM DENTAL CARRYOVER BENEFIT

During each benefit year, if a member received at least one cleaning, one regular exam, and their total dental claims are below the threshold limit, a portion of the annual maximum will automatically carry over to the next year. For more details on this benefit enhancement, please click below:

UNUM DENTAL CARRYOVER BENEFIT

Dental Insurance Explained

Dental insurance

is a contract with an insurance company that helps cover the cost of treatments to your teeth and gums.

Instead of you paying 100% of the cost out-of-pocket, dental insurance pays a percentage and you pay the rest.

There are 3 common categories of dental insurance: preventive, basic and major.

Preventive care

Preventive care aims to “prevent” wear and tear, gum disease and tooth loss. Routine visits allow your dentist to examine your mouth, jaw and neck to identify problems and treat them early. Common services covered under preventive care include bi-annual cleanings, oral screenings and routine X-rays.

Basic care

Basic care treats minor-to-medium damage that has already happened, like toothaches and gum issues. Common services covered under basic care include fillings, tooth extractions, root canals and gum disease treatment.

Major care

Complex dental work, including surgical procedures, are typically classified as major dental care. These services can range from crowns and implants to dentures and oral surgery.

Watch this video to learn more

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