Plan Overview
There are two plan options under Pearl's Traditional Dental Plan. There is a Standard Plan for members under age 65, and a Senior Plan for those 65 and older. Both Traditional Dental Plans allow you to choose your own dentist, and the deductible is only $50 per insured person per calendar year—with the deductible waived for Preventive Services.
There is also no waiting period for Preventive Dental Services, which include two exams per calendar year, cleanings, and fluoride treatments for children under 16.
Basic Dental Services
This includes x-rays, fillings, sealants (to age 16), and simple extractions and have a six-month waiting period.
Major Dental Services
This includes restoration of crowns, bridges, dentures, endodontics, periodontics, and oral surgery (extractions and impactions) and require an 18-month waiting period. A new chemotherapeutic agent (or drug) prescribed in the treatment of periodontal services is also included.
Orthodontic Services
This type of service has a 24-month waiting period and includes straightening of the teeth for children under the age of 19.
In addition to the above services, these Traditional Dental Plans both present valuable options. Please click on a tab to the left to learn more about each plan option.
Standard Plan
Platinum
- A combined maximum Benefit for Preventive, Basic, and Major Services of $1,500 per insured person per year
- Maximum Benefit of $750 for Major Services per insured per calendar year
- 100% of Preventive Dental Services covered
- 80% of Basic Dental Services covered*
- 50% of Major Dental Services covered*
- 50% of Orthodontic Services covered**
Gold
- A combined maximum Benefit for Preventive, Basic, and Major Services of $1,250 per insured person per year
- Maximum Benefit of $750 for Major Services per insured per calendar year
- 100% of Preventive Dental Services covered
- 50% of Basic Dental Services covered*
- 50% of Major Dental Services covered*
Silver
- A combined maximum Benefit for Preventive, Basic, and Major Services of $1,000 per insured person per year
- Maximum Benefit of $500 for Major Services per insured per calendar year
- 100% of Preventive Dental Services covered
- 50% of Basic Dental Services covered*
- 50% of Major Dental Services covered*
* After $50 deductible and waiting period is met.
**After waiting period is met. Maximum benefit $500 per calendar year and $1,000 lifetime per insured child.
Senior Plan
Gold
- A combined maximum Benefit for Preventive, Basic, and Major Services of $1,250 per insured person per calendar year
- Maximum Benefit of $750 for Major Services per insured per calendar year
- 100% of Preventive Dental Services covered
- 50% of Basic Dental Services covered*
- 50% of Major Dental Services covered*
Silver
- A combined maximum Benefit for Preventive, Basic, and Major Services of $1,000 per insured person per calendar year
- Maximum Benefit of $500 for Major Services per insured per calendar year
- 100% of Preventive Dental Services covered
- 50% of Basic Dental Services covered*
- 50% of Major Dental Services covered*
* After $50 deductible and waiting period is met.
Optional Dental Network
This new feature provides Insureds with the option to visit a Dentist or other qualified provider in the Dental Benefit Providers Network to receive discounts on covered services in addition to the insurance benefit provided by the group policy. This option will increase your out-of-pocket savings on dental costs. However, Insureds are not required to visit in-network providers and may visit out-of-network providers and still receive the insurance benefits provided by the group policy.
To search for a dentist within the U.S. Life provider network click the link below.
Search For a Dentist in the AG Provider Network
Is your provider not in the SmileMax network?
Nominate your provider here.
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 Traditional 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 the NSPE Traditional Dental Plan?
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 Group Discount Dental 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 Group Dental Discount Plan is administered by Pearl Insurance Group, 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.