Dental Plan Options
The Hartford offers two options for dental coverage: the Core option and the Enhanced option, both administered by Delta Dental. You’ll pay a lower premium if you elect to participate in the Core Plan option, but you’ll receive a richer benefit through the Enhanced Plan option. You don’t have to enroll in The Hartford’s health plan to elect dental coverage.
Your Provider’s Network Affects What You Pay
You can visit any dentist you choose, however, the amount you pay for dental services will depend on your plan option and whether your provider participates in the Delta Dental PPO network, the Delta Dental Premier® network or is an out-of-network provider.
- PPO Network - Saves You The Most on Covered Expenses
Using a PPO dentist saves you the most money for covered procedures with the greatest discount off of a dentist’s regular fees:- Highest annual maximum
- You pay the lowest plan coinsurance, meaning you save even more off of the already discounted fees.
- Nationally, roughly three out of five dentists participate in the PPO network.
- Premier Network - Save on Covered Expenses
With four out of five dentists participating in our Premier network, Premier offers access to the most dentists nationwide. Offsetting that network size is:- Less of a discount off of a dentist’s regular fees than PPO network
- Lower annual maximum than the PPO network
- You pay a higher coinsurance than the PPO network
- While you’ll pay less than going out-of-network, you’ll pay more than you would with a PPO dentist.
- Out-of-Network - No Plan Negotiated Discounts
- Dentists who choose not to participate in PPO or Premier networks do not have a negotiated discount. Coupled with the lower annual maximum and higher coinsurance, this means you’ll pay the most for services from out-of-network dentists.
Visit DeltaDental of CT for provider listings. PPO providers, who offer the deepest discounts, have a “Greater Savings” icon next to their listing.
Take a look at the table below for more information on the plans:
| CORE PLAN | ENHANCED PLAN | |||
|---|---|---|---|---|
| PPO PROVIDERS | PREMIER OR OUT-OF-NETWORK PROVIDERS |
PPO PROVIDERS | PREMIER OR OUT-OF-NETWORK PROVIDERS |
|
| Annual Deductible | $100 individual ; $300 family | $50 individual ; $150 family | ||
| Calendar Year Maximum Benefit |
$1,500 | $1,000 | $2,000 | $1,500 |
| Preventive Services | Covered at 100% (no deductible) | |||
| Basic Services | You pay 20% | You pay 40% | You pay 10% | You pay 30% |
| Major Services | You pay 50% | You pay 50% | ||
| Orthodontia | Not covered | You pay 50% (no deductible) | ||
| Lifetime Orthodontia Maximum Benefit |
Not applicable | $3,000 | ||