Dental
Our dental plans offered through Lincoln provide comprehensive coverage for preventive, basic, and major dental services to meet a variety of oral healthcare needs.
Dental
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Premiums
| Coverage Tier | Dental HMO Contribution | Dental PPO Contribution |
|---|---|---|
| Employee Only | $7.19 | $14.76 |
| Employee + Spouse | $12.58 | $28.28 |
| Employee + Child(ren) | $15.57 | $34.02 |
| Family | $19.76 | $52.34 |
Employee Only
- Dental HMO Contribution
- $7.19
- Dental PPO Contribution
- $14.76
Employee + Spouse
- Dental HMO Contribution
- $12.58
- Dental PPO Contribution
- $28.28
Employee + Child(ren)
- Dental HMO Contribution
- $15.57
- Dental PPO Contribution
- $34.02
Family
- Dental HMO Contribution
- $19.76
- Dental PPO Contribution
- $52.34
Coverage Details
| Feature | Dental HMO | Dental PPO |
|---|---|---|
| Network | Lincoln DentalConnect DHMO | Lincoln Dental PPO |
| Annual deductible (individual/family) | $0 / $0 | $50 / $150 |
| Annual maximum (per person) | None | $2,000 |
| Diagnostic and preventive care (includes oral exams, routine X-rays, cleanings, sealants, and fluoride) | Copays vary by service, see copay schedule | Covered at 100% |
| Basic services (includes problem-focused exams, palliative treatment, fillings, anesthesia, and oral surgery) | Copays vary by service, see copay schedule | 20% after deductible |
| Major services (includes extractions, bridges, dentures, crowns, inlays, onlays, and related services) | Copays vary by service, see copay schedule | 50% after deductible |
| Orthodontia | Copays vary by service, see copay schedule (adult and children) | Covered at 50% (children, up to age 19) |
| Orthodontia lifetime maximum | None | $1,000 |
| Out-of-network reimbursement | Not available | Maximum allowable charge |
Network
- Dental HMO
- Lincoln DentalConnect DHMO
- Dental PPO
- Lincoln Dental PPO
Annual deductible (individual/family)
- Dental HMO
- $0 / $0
- Dental PPO
- $50 / $150
Annual maximum (per person)
- Dental HMO
- None
- Dental PPO
- $2,000
Diagnostic and preventive care (includes oral exams, routine X-rays, cleanings, sealants, and fluoride)
- Dental HMO
- Copays vary by service, see copay schedule
- Dental PPO
- Covered at 100%
Basic services (includes problem-focused exams, palliative treatment, fillings, anesthesia, and oral surgery)
- Dental HMO
- Copays vary by service, see copay schedule
- Dental PPO
- 20% after deductible
Major services (includes extractions, bridges, dentures, crowns, inlays, onlays, and related services)
- Dental HMO
- Copays vary by service, see copay schedule
- Dental PPO
- 50% after deductible
Orthodontia
- Dental HMO
- Copays vary by service, see copay schedule (adult and children)
- Dental PPO
- Covered at 50% (children, up to age 19)
Orthodontia lifetime maximum
- Dental HMO
- None
- Dental PPO
- $1,000
Out-of-network reimbursement
- Dental HMO
- Not available
- Dental PPO
- Maximum allowable charge
Plan Notes
- Our dental plans offered through Lincoln provide comprehensive coverage for preventive, basic, and major dental services to meet a variety of oral healthcare needs. You can visit any dentist, but you’ll generally receive the greatest value when staying in-network.
- The Dental HMO (Lincoln DentalConnect DHMO) is in-network only with no deductible and no annual maximum; copays vary by service.
- To locate an in-network dental provider, please visit lincolnfinancial.com.
- The Dental PPO (Lincoln Dental PPO) has a $50 / $150 deductible and a $2,000 annual maximum; preventive care is covered at 100%, basic at 20% and major at 50% after deductible, with orthodontia for children up to age 19 at 50% ($1,000 lifetime).
- Lincoln’s MaxRewards® program lets you and your covered family members roll a portion of unused dental benefits from one year into the next, so you have extra benefit dollars available when you need them most.
- Employees can enroll in dental/vision coverage regardless of medical coverage.