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Dental Cents

Close up of toothbrush with woman smiling in background

Companion Life offers its comprehensive Dental "Cents" program to groups with two to nine employees. Dental "Cents" offers employers the choice of two plans — Dental "Cents" Plan A or Plan B.

All active, full-time employees working at least 30 hours per week are eligible to enroll. Employees can also include their spouses and any children who are younger than 26 years old and who do not work for the firm.

 

As a value-added feature, Companion Life's Dental "Cents" plan includes a Vision Discount Plan, Hearing Services Plan and Global Emergency Services. These value-added plans are provided at no additional cost!

Plan A includes 100 percent coverage of allowable charges for preventive services, 80 percent coverage for basic services and 50 percent coverage for major services after a combined lifetime $100 deductible (all covered services) per person. Maximum contract year benefit is $1,000. Dental "Cents" Plan A also offers an orthodontics option (coverage for repositioning teeth, such as braces) for children. This option is available for groups with two or more employees who are insuring dependents.

Dental "Cents" Plan B  includes 100 percent coverage of allowable charges for preventive services, 80 percent coverage for basic services and 50 percent coverage for certain major services. There is a $50 per person per contract year for basic and major services. Maximum contract year benefit is $1,000. Dental "Cents" Plan D also offers an orthodontics option (coverage for repositioning teeth, such as braces) for children. This option is available for groups with two or more employees who are insuring dependents.

Choice is a big part of Dental "Cents." Employees can visit the dentists of their choice! Service is also an important feature of Dental "Cents." The dentist office conveniently files claims for employees straight to Companion Life. Our standard turnaround time on an error-free claim is five working days. Either insureds or their dentists can check the status of a claim seven days a week using a touch-tone phone and our Voice Response Unit.

Dentists may also use our secure Web tool, My Insurance Companion, to file claims online (ADA claims entry), verify patient eligibility and receive pre-treatment estimate status. Companion Life Dental insureds can also access My Insurance Companion to check claim status, request a dental ID card, receive pre-treatment estimate status and more!

Covered Services

Class I - Preventive Services: Routine exams and cleanings (two per 12 months); fluoride treatment for children under age 19 (one per 12 months); bitewing X-rays (one per 12 months); X-rays (full mouth or panorex, one per 60 months); X-rays of the roots of teeth.

Class II - Basic Services: Simple restorative services (fillings); simple teeth removal; emergency treatment for dental pain (minor procedures); sealants for children ages 6 through 15 (one per tooth per 36 months); space maintainers for children under age 16.

Class III - Major Services: Endodontics (includes root canals); periodontics, major restorative services (crowns and inlays); prosthodontics (bridges and dentures); surgical tooth removal and other oral surgery; medically appropriate anesthesia related to a covered surgery; denture relines (if over six months after installation); recementations and repair of crowns, inlays, bridges and dentures.

Class IV - Orthodontia Services: No deductible, 50 percent coverage, $1,000 lifetime maximum, children under 19 only, 12-month waiting period.

To learn more about Dental "Cents," please contact us.