What are the primary differences between the Basic and Choice dental plans?
You have a choice between two dental plans. Both plans cover the same services (with the exception of orthodontics for children). Premiums for Dental Basic are lower than those of Dental Choice.
If you see an in-network dentist, both plans cover services at the same level. Diagnostic and preventive care are covered at 100%, restorative services are covered at 80%, prosthodontics are covered at 50% and orthodontics are covered for children at 50% (up to a $1,500 lifetime maximum for the Dental Choice plan). The only difference is that orthodontics are covered for children under Dental Choice.
If you go to an out-of-network dentist, he or she can bill you for any amounts above the negotiated MRC.