Dental Plan
The Dental Plan through the Board of Pensions provides employees with coverage for a wide range of basic and major services, saving them money on dental care and helping to support overall health and well-being.
Dental care is an important component of well-being, and good oral health may prevent certain diseases. To help support the well-being of employees, the Board of Pensions partners with Aetna, a leading national provider, to offer dental coverage. You can choose to offer the Dental Plan at little or no cost to your organization.
Coverage for services
Employees with the Dental Plan are 100 percent covered for preventive and diagnostic care, such as routine checkups and cleanings. They also have access to a wide range of other services at significantly reduced costs, including
- basic services, such as fillings and simple extractions;
- major services, such as prosthodontics, bridges, and crowns; and
- orthodontic treatment for eligible dependent children (up to age 22).
Eligibility to participate
The Dental Plan is a cost-effective way for you as an employer to maximize your benefits offerings. And there is no hourly work requirement for employees to participate, so you can offer it to employees working less than 20 hours per week.
Provider networks
Depending on where you're located, your employees may have access to one or both of these dental provider networks:
- dental maintenance organization (DMO)
- preferred provider organization (PPO)/passive PPO
The DMO costs less, while the PPO offers the flexibility to visit out-of-network providers. (Passive PPO is offered to participants in areas without reasonable access to PPO providers; benefits are not reduced if these participants use an out-of-network provider.)
Read more details about the network options and services covered through the Dental Plan.
Costs
The following are the current monthly Dental Plan costs. When you decide to offer the Dental Plan to your employees, you may, but are not required to, contribute toward the cost of the coverage.
For example, if you choose to contribute 50 percent toward the cost of Member + Children DMO dental coverage, you and the employee would each pay $34.62 per month, for a total of $69.24 per month.
| DMO monthly costs | ||
|---|---|---|
| Member-only | $25.87 | |
| Member & Spouse | $52.79 | |
| Member + Children | $69.24 | |
| Member + Family | $96.79 | |
| PPO/passive PPO monthly costs | ||
|---|---|---|
The cost of PPO dental coverage reflects local costs. All 50 states, plus the District of Columbia and Puerto Rico, have been assigned to one of five groups, established by Aetna, based on similar average dental costs for PPO coverage. The employer’s location will determine its group. |
Read more details about coverage costs for members when using the benefit.
Interested in offering the Dental Plan?
Here's what to do next.
For current employers
If you currently offer benefits through the Benefits Plan of the Presbyterian Church (U.S.A.), you may elect this benefit when you update your Employer Agreement on Benefits Connect for the following year. Employer Agreements are usually available for updating beginning in July through October.
For new employers
If you do not currently offer benefits through the Benefits Plan and would like to learn more about its features and how the Board of Pensions serves employers, call our Employer Services team at 800-773-7752 (800-PRESPLAN) (TTY: 711) to discuss how we can best meet your and your employees' needs.
About Aetna
The Board of Pensions has partnered with Aetna for dental coverage for more than 20 years. Aetna is a CVS Health company and serves an estimated 39 million people in the healthcare and healthcare spending marketplace.