Dental Plans

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

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Digital ID Card

The usage of ID cards is not required to access care; employees can provide their social security number to their provider for benefits to be verified by the provider.

Dental beneﬁts are 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 the UNUM website.

UNUM DENTAL

	In-Network	Out-of Network
Annual Deductible (Individual/Family)	$50/$150 (waived for preventive)	$50/$150 (waived for preventive)
Deductible – Calendar Year or Lifetime	Calendar Year	Calendar Year
Annual Maximum	$1,750	$1,750
Class A Preventative Type 1	100%	100%
Class B Basic Type 2	80%	80%
Class C Major Type 3	50%	50%
Class C Orthodontics Maximum	$1,000	$1,000
Endodontics	50%	50%
Periodontics – Non-Surgical	50%	50%
Periodontics – Surgical	50%	50%
Oral Surgery	50%	50%
Implants	50%	50%
Out-Of-Network Reimbursement	90th UCR	90th UCR

EMPLOYEE COST PER MONTH

EE Only	$4.31
EE + Spouse	$8.56
EE + Child(ren)	$9.75
Family	$15.00

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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