8
Dental Insurance
Sun Life Voluntary Dental
Plan Summary
Network Information
The Sun Life dental plan uses the Assurant Dental PPO
network. It is to your advantage to utilize a network dentist
to get the greatest benefit and the lowest cost through
contracted fees. To find a network provider, participants
should register on
www.sunlife.com / oaregister
by entering
your name and email address. You will receive an email
thereafter to finalize your registration. You can also search
for a provider at
www.assurantemployeebenefits.comby
selecting Find a Dentist on the left side of the page.
If you choose not to see a network provider, you will be
responsible for any amounts exceeding 95% of usual and
customary allowances when using out-of-network providers.
This Plan Includes Lifetime of Smiles
Preventive Max Waiver®
allows families and
individuals to get routine dental care without tapping
into their annual maximums.
Brush biopsies
to help with early detection of oral
cancer.
Genetic testing
to help identify individuals who are at
genetic risk for gum disease.
Periochips
to help control bacteria and reduce the size
of periodontal pockets.
Online Dental Health Center
a trusted resource that
offers members the most up-to-date information
available on preventive dental care.
PPO Benefits
In-Network
Out-of-
Network
Deductible
Individual
Family
(Waived for Preventative Services)
$0
$0
$25
$75
Coinsurance
Diagnostic/Preventive
Basic Restorative Care
Major Restorative Services
Orthodontia
100%
90%
60%
Not Covered
100%
80%
50%
Not Covered
Annual Maximum
$1,300
Coverage
Type
Services Covered
Class 1 —
Preventive &
Diagnostic
Care
Oral Exams
(2 per calendar year)
Routine Cleanings
(2 per calendar year)
Fluoride Treatment
(1 per calendar year for those
under age 19)
X-Rays
(Bitewing: 2 per calendar year; Full-mouth and
Panorex 1 every 36 months)
Sealants
(limited to posterior tooth. 1 treatment per
tooth every three years up to age 14)
Space Maintainers
Dental Prophylaxis
Genetic Testing
Class II —
Basic
Restorative
Care
Fillings
Root Canal Therapy/Endodontics
Osseous Surgery
Periodontal Scaling and Root Planing
Denture Adjustments and Repairs
Oral Surgery-Simple Extractions
Oral Surgery-all except simple extractions
Anesthetics
Surgical Extractions of Impacted Teeth
Repairs to Crowns and Inlays
Class III —
Major
Restorative
Services
Crowns
Dentures
Bridges
Inlays/Onlay
Type of Coverage
Employee Cost Per Month
Employee Only
$25.74
Employee & Spouse
$50.44
Employee & Child(ren)
$49.57
Family
$67.95
Monthly Employee Cost
(Rates Effective 3/1/17-2/28/18)