Dental Benefits
Provided by: Delta Dental
EMM Loans offers dental coverage through Delta Dental. Both dental plans allow you to use in-network or out-of-network benefits. However, you will be responsible for paying the difference between the allowed amount and what the dentist may charge, also known as "balance billing," when you visit an out-of-network provider. To find an in-network provider, visit Deltadentalnj.com and select the appropriate network for your plan. The chart below provides a brief overview of the plan. Refer to the full plan description for detailed coverage information.
| Dental Benefit | Dental Plan 1 | Dental Plan 2 |
|---|---|---|
| Network | PPO Plus Premier | PPO Only |
| Calendar Year Deductible (Individual/Family) | $50 / $150 | $50 / $150 |
| Calendar Year Maximum (per person) | $1,500 | $1,000 |
| Preventive & Diagnostic Services Exams, Cleanings, Bitewing X-rays (2x each in a calendar year), Fluoride Treatment (1x per calendar year) for children to age 19 |
Plan pays 100%, no deductible | Plan pays 100%, no deductible |
| Basic Services Fillings, Extractions, Endodontics (Root Canal), Periodontics, Oral Surgery, Sealants |
Plan pays 80% after deductible | Plan pays 50% after deductible |
| Major Services Crowns, Gold Restorations, Bridgework, Full and Partial Dentures |
Plan pays 50% after deductible | Plan pays 50% after deductible |
| Orthodontia Benefits (up to age 19) | 50% | Excluded |
| Orthodontia Lifetime Maximum (per person) | $2,000 | Excluded |
Additional Plan Features
Please note, these features apply to the PPO Plan only.
Carryover Max Benefit
Allows members to carry over part of their unused standard annual maximum in one year to increase benefits for the following year and beyond.
Special Needs Benefit
Members with a qualifying special healthcare need are eligible to receive up to four dental cleanings, additional examinations and/or consultations, and treatment delivery modifications.