Dental

A healthy smile for a healthy body

Good oral hygiene means more than just a bright and attractive smile. Common oral problems have been linked to conditions as serious as heart disease and diabetes. The simple habits of regular brushing, flossing, a healthy diet and regular dental checkups could help prevent significant health concerns - and higher medical bills.

A plan just right for you

With today's economic struggles, employees need solid, cost effective benefits they can depend on. They're looking for a plan that will provide quality care with an affordable cost.

Nationwide offers 26 competitive and flexible dental plan* designs for employers who offer dental coverage to their employees. 100% employer-paid plans as well as shared cost or employee-paid dental plans are available.

Plan participants may also have access to valuable health and productivity solutions, including health risk assessments, lifestyle health coaching, and disease, disability, medical, maternity and absence management programs.

The DenteMax^® network

These PPO-based dental plans offer employees the convenience and flexibility of using the DenteMax network, offering these great benefits:

• A national network with thousands of dental providers
• No deductible for in-network preventative services
• Cost savings compared to out-of-network providers

Plan members who choose to visit out-of-network providers may receive reduced plan benefit levels and may also be responsible for the difference between the billed charge and the amount paid by Nationwide.

Dental Plan Provisions

	Basic and Voluntary Dental Benefits
Case Size	Available to employer groups of 51 or more eligible employees
Rate Guarantee Period	1 Year
Annual Maximum Options	$1000 / $1500 / $2000
Deductible Options (per calendar year)	$25 Individual / $75 Family $50 Individual / $150 Family
Deductible Waivers	In-Network Preventative services
In-Network Coinsurance Options	100/90/50 MAC or 100/80/50 MAC or 80/80/50 MAC MAC = Maximum Allowable Charge
Out-of-Network Coinsurance Options	100/80/50 CMAC or 100/60/50 CMAC or 80/60/50 CMAC CMAC = Customary Maximum Allowable Charge
Limit for Reasonable and Customary Charges	85th Percentile
Service Classes	Diagnostic & Preventative: Exams, routine x-rays, cleanings, fluoride treatments and sealants for children (age limitations may apply). Basic: Fillings, extractions, endodontic services (root canal therapy) and periodontal procedures (treatment of gum disorders) Major: Crowns, Dentures and Bridges Orthodontia (Optional): See benefit below
Orthodontic Benefit Option	Available to children (age limitations may apply) 50% coinsurance Lifetime Maximums: $1000 or $1500
Pre-Treatment Review	$300
Takeover Benefits	Provided for employees covered under a replaced plan
Optional Riders	Cosmetic Rider Maximum Roll Forward Rider

	Basic Dental Employer-paid	Voluntary Dental Employee-paid
Participation Requirements	For non-contributory plans, all eligible employees must be enrolled; For contributory plans, a minimum of 75% of eligible employees and dependents not covered by another group-dental plan must enroll.	The greater of 25% or 10 eligible employees must be enrolled
Waiting Periods	Preventative: None Basic: None Major: None Orthodontia: None	Preventative: None Basic: 6 months Major: 12 months Orthodontia: 24 months

*All plans are available to groups of 51 or more eligible employees. Products are not available in all states. The benefits outlined here are for illustrative purposes only and should not be considered a proposal for coverage. Limitations and exclusions apply. Additional plan options are available with underwriting approval.