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National General Accident & Health Dental PPO plans help you pay for the dental care you need and gives you access to the Careington Maximum Care Dental Network.
With this plan, you get benefits for Preventive, Basic and Major services. If you've gone to a dentist to get your teeth cleaned, then you've received Preventive services before.
Here are some examples of what's covered under of each category:
Preventive:
Evaluations, examinations, cleanings, fluoride treatments and x-rays
Basic:
Emergency treatment of dental pain, deep sedation/ general anesthesia for basic services, consultations, amalgam and resin-based composite fillings, denture adjustments and repairs, denture rebase and reline, and extractions
Major (not covered under the Essentials level plan):
Deep sedation/ general anesthesia for major services, inlay/onlay restorations, crowns (single restoration only), endodontics, surgical periodontal services, and dentures
With this plan, there is no waiting period for preventive care, and preventive care is covered at 100% with no deductible - no matter which plan level you selected.
Here's how the plan pays for dental services:
How does this plan work? Let's do some math:
The average price of a Composite filling is $201*. If you use a Careington Network dentist, you can reduce that cost to $101**. Once your Dental PPO Essentials Plus plan pays benefits, you are responsible for the remaining $65.30.
| Estimated treatment cost: | $201 |
| Cost with Network Discount: | $101 |
| Dental PPO Plan pays 70%: | - $35.70 |
| Total cost to you, including your annual $50 deductible: | $65.30 |
In this example, your Dental benefits and network discount reduced the cost of your dental care by 70%. Now that's something to smile about.
* Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed in the 2015 FairHealth Report in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas.
** These fees represent the average of the assigned Maximum Care (DN14) fees in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas.
Example provided for illustration purposes only. Prices are subject to change.
This is a PPO plan. This is not a discount plan.
Third party administrators will pay for covered services according to the plan design. All applicable co-pays, deductibles or co-insurance, outlined by the plan design, are to be paid directly to the dental office at the time service is rendered. Please ask the dentist or office staff to explain all charges before treatment begins.