Dental Plan
The Dental Plan offered through the Board of Pensions provides employees with coverage for preventive and diagnostic care as well as a wide range of basic and major services, saving them money on dental care and helping to support overall health and well-being.
Dental care is an important component of well-being, and good oral health may prevent certain diseases. To help support the well-being of employees, dental coverage is provided through Aetna, a leading national provider. You can choose to offer the Dental Plan at little or no cost to your organization.
Coverage details
Employees with the Dental Plan are 100% covered for preventive and diagnostic care, such as routine checkups and cleanings. They also have access to a wide range of other services at significantly reduced costs, including:
- basic services, such as fillings and simple extractions
- major services, such as prosthodontics, bridges, and crowns
- orthodontic treatment for eligible children (up to age 22)
Eligibility
The Dental Plan is a cost-effective way for you as an employer to maximize your benefits offerings. And there is no hourly work requirement for employees to participate, so you can offer it to any employee, regardless of the number of hours they work.
Employers must offer the Dental Plan to congregational pastoral leaders enrolled in the
Congregational Pastors Package and ministers enrolled in
Transitional Pastor's Participation (employers may, but are not required to, contribute to the cost). Employers may also choose to offer the Dental Plan to employees enrolled in the
Covenant Package.
Provider networks
Depending on where they live, your employees may have access to one or both of these dental provider networks:
- dental maintenance organization (DMO)
- preferred provider organization (PPO)/passive PPO
The DMO costs less, while the PPO offers the flexibility to visit out-of-network providers. (Passive PPO is offered to participants in areas without reasonable access to PPO providers; benefits are not reduced if these participants use an out-of-network provider.)
Read more details about the network options and services covered through the Dental Plan.
Costs
The following are the current monthly Dental Plan costs. When you offer the Dental Plan to your employees, you may, but are not required to, contribute toward the cost of the coverage.
For example, if you choose to contribute 50% toward the cost of Member + Child(ren) DMO dental coverage, you and the employee would each pay $34.62 per month, for a total of $69.24 per month.
| DMO monthly costs | ||
|---|---|---|
| Member-only | $25.87 | |
| Member & Spouse | $52.79 | |
| Member + Child(ren) | $69.24 | |
| Member + Family | $96.79 | |
| PPO/passive PPO monthly costs | ||
|---|---|---|
The cost of PPO dental coverage reflects local costs. All 50 states, plus the District of Columbia and Puerto Rico, have been assigned to one of five groups, established by Aetna, based on similar average dental costs for PPO coverage. The employer’s location will determine its group. |
Read more details about coverage costs for members when using the benefit.
Questions about the Dental Plan?
Employers who currently offer benefits through the Board of Pensions can call 800-PRESPLAN (800-773-7752) (TTY: 711) to speak with an Employer Services representative. They can answer questions about benefits and offer support on administering benefits through Benefits Connect.
PC(USA) employers and congregations are encouraged to reach out to their Church Consultant to help determine which dues package is right for their situation, understand available benefits for staff and how to structure them, and guide faithful benefits decision‑making.
About Aetna
Dental coverage offered by the Board has been provided through Aetna for more than 20 years. A CVS Health company, Aetna’s expansive dental network provides access to over 300,000 participating dentists nationwide, ensuring wide-ranging, quality dental care options for participants.