Plan Overview
The Pearl Dental Insurance program for NSPE members helps working individuals and families cover the cost of dental services for exams, cleanings, fillings and extractions, as well as crowns, bridges, dentures and orthodontia.
We offer you several benefit and rating options, so you spend what you'd like and get the quality dental care you deserve. Choose from the Traditional Dental Plan (Standard and Senior Plans available, with Platinum, Gold, or Silver options) and the Scheduled Dental Plan, which offers a flat-rate premium and a higher out-of-pocket expense. Both the Traditional and the Scheduled Dental Plans include the following features:
- Choose your own Dentist
- Dependents up to age 19 (23 if full-time student for Traditional Plan; 25 if full-time student for Scheduled Plan) also may be eligible
- One $50 deductible per insured person per calendar year–waived for preventative services
- No waiting period for Preventative Services
- Up to $1,500 Maximum Benefit per insured person per calendar year, depending on plan
- And much more!
NSPE's Pearl Dental Insurance Plan is valuable protection for you and your family, protecting you from the high cost of Preventive, Basic, Major and even Orthodontic dental services.
Enroll Online for the Scheduled Dental Insurance Plan
Online enrollment currently available for Scheduled Dental Plans only.
Additional Information
This plan is simple:
There is only one rate, regardless of the individual's age or living area. There is no age limit or state restriction. While the premium is lower, out-of-pocket expenses can be expected to be higher than with the Traditional Dental Plan. Costs to the insured still remain reasonable, and this plan may be preferred because the benefits are fixed—dependable and not subject to price escalation.
Maximum Benefit for dental procedures performed is $1,000 per insured person per calendar year. The deductible per insured person is $50 per calendar year or $150 family maximum. This deductible is waived for preventive and diagnostic treatment, and applied against insurance-covered expenses, not billed charges.
There is no age limit for this plan. Eligible dependents include spouse and dependent children to age 19 (25 if full-time student). There is no network restrictions, so all insured have the freedom to choose any dentist they want, and there is no waiting period for Preventive, Diagnostic, and Restorative dental services. There is a six-month waiting period for Endodontics and Oral Surgery and a 12-month waiting period on Perodontics, Major Restorative, Removable Prosthetics, and Fixed Bridge Services.
Monthly Fixed Rates
- Member = $24
- Member + Spouse = $43
- Member + Children = $43
- Member + Family = $58
Plan Differences
Traditional Dental Plan
Choose this plan for a higher monthly premium and less money out of your pocket for dental care expenses.
Scheduled Dental Plan
Choose this plan for a lower, flat-rate premium with more out-of-pocket expenses.
Frequently Asked Questions
How is this NSPE Scheduled Dental Insurance different from a discount dental plan?
The NSPE Dental Plan is dental insurance, not a discount plan. Insurance protects you when you need it most. It pays for your preventive care as well as for emergency care or specialty dental treatment.
Can I choose my own dentist?
With this dental plan, you may go to any dentist you wish.
How do I qualify for NSPE Scheduled Dental Insurance?
As long as you are an NSPE member in good standing, enrolling in the Plan is easy and automatic. There are no health questions, and NSPE members and their families cannot be turned down for coverage.
What if I decide I don't want this coverage?
When you become enrolled, you will be sent an identification card, fee schedule, and a list of participating dentists nearest your area. If you are not completely satisfied with the terms of your NSPE Scheduled Dental Insurance Plan materials, you may cancel your plan, without claim, within 30 days and your amount paid will be promptly refunded. Your coverage will then be invalidated.
Who administers this Dental Plan?
The NSPE Scheduled Dental Insurance Plan is administered by Pearl Insurance, who uses the power of group purchasing to bring you substantial premium savings. Pearl Insurance strives to provide NSPE members with the most relevant, competitively priced member benefit insurance packages for individuals and families available. We've been providing associations like the NSPE with quality group coverage for nearly 55 years.