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Available Dental and Vision Plans
There are a variety of dental and vision plans
available for members of the Arizona Small Business Association and here is a
brief description of each of the plans. A "hard copy" can be requested
from our office.
Delta Dental
This is available for groups of of two to nine and
composite ten or more
employees only.
EDS (Employers Dental Services)
(Principal Financial Group)
This is a pre-paid dental plan, meaning that the
amounts payable for each procedure are pre-determined. Depending on which list
of doctors chosen will dictate the amount of your cost per procedure. Other
benefits of this plan are: no deductibles, no claim forms, pre-existing
conditions are covered except for procedures in progress. When accessing
contracted specialists there is a 25% discount. Orthodontics is included.
Secure Care Dental
For groups enrolling five or more eligible employees
you may offer any combination of three available plans as a dual or triple
choice. The available plans are a Copay Plan, a PPO Plan and an Indemnity. The
plans can either be voluntary or contributory. The plan also give prior credit
for satisfaction of waiting periods met under your employer's previous
qualifying group dental plan.
Sample rates for Copay Plan (voluntary)
Single: $11.68 Employee + 1:
$21.96 Family: $33.35
Sample rates for PPO Plan (voluntary) Single:
$20.36 Employee + 1: $38.20 Family: $58.00
Sample rates for Indemnity (voluntary) Single:
$30.54 Employee + 1: $57.27 Family: $87.03
Note: The annual maximum benefit per year for the copay and the indemnity plans
is $1500.00
Note: The Copay and PPO have out-of-network provisions so one can see any
dentist.
American Dental
This plan is also based on a reduced or discount
fee concept. Unlike indemnity or a pre-paid dental plan, you pay a reduced or
discounted fee only for the dental services you actually receive. For example, a
contracted dentist provides two cleanings per membership year and the second is
no charge. Your routine examinations and x-rays are also no charge. Rates are as
follows:
All Rates are shown as an annual premium.
Single: $
39.00 2-Party: $
59.00 Family: $79.00
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