Dental Insurance

Union County offers dental coverage through Sun Life on the Sun Life Focus dental network. These 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, go to sunlife.com/findadentist and search the Focus network. The chart below provides a brief overview of the plan. Refer to the full plan description for detailed coverage information.

Plan Features

Plan Features Core Plan Buy-Up Plan
You pay: You pay:
Annual Deductible
Individual $50 $50
Family $150 $150
Annual Maximum Paid by Plan $1,000 $2,000
Diagnostic and Preventive Services* (X-rays, cleanings, exams) Covered in full; deductible waived Covered in full; deductible waived
Basic and Restorative Services (Fillings, extractions, root canals) 20% 20%
Major Services (Dentures, crowns, bridges) 50% 50%
Orthodontia (Adults & Children) Not Covered 50%
Orthodontia Lifetime Maximum Not Covered Plan pays up to $2,000

*Services do not count toward annual maximum benefit

Benefit Cost

Benefit Cost Employee Only Employee + Spouse Employee + Child(ren) Family
Core Plan $0.00 $10.00 $10.00 $20.00
Buy-Up Plan $4.46 $18.78 $21.01 $35.34

Sun Life Dental Out-of-Network Benefits

  • Plan will pay at the 90th percentile of usual and customary charges
  • Note: You may receive a balance bill

To view your account:

  • Visit: sunlife.com/us
  • Click “Sign In”
  • Set up your account on your first visit using your member ID number or Social Security Number
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