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How the Dental Plans Compare

Only you can decide which dental plan makes the most sense for you and your eligible dependents. Below is a chart outlining the key features of the three dental plans.


Dental Plan Options
  Carefirst BCBS Dental Plan Cigna Dental Plan Concordia Plus Dental Plan
  In-Network Out-of-Network In-Network Out-of-Network
Calendar Year Deductible $0 $50 $0 $50 individual
$100 family		 $0
Class I
Diagnostic & Preventive Services; cleanings, X-rays, office visits 		100% of allowed benefit 100% of allowed benefit 100% of allowed benefit 100% of reasonable & customary 100% ($5 copayment for Oral Evaluation)
Class II
Basic Services: fillings, root cancals, periodontics, oral surgery		 75% of allowed benefit 75% of allowed benefit,
subject to deductible		 75% of allowed benefit 75% of reasonable & customary, subject to deductible 90%-100% (fillings) 70% (basic)
Class III
Major Services: dentures, crowns & bridges		 50%
of allowed benefit		 50%
of allowed benefit,
subject to deductible		 50%
of allowed benefit		 50%
of reasonable
& customary, subject
to deductible		 70%
Class I, II, & III Calendar Year Maximum Benefit $1500 combined $1500 combined No maximum
Class IV Orthodontics 50%
of allowed benefit		 50%
of allowed benefit		 50%
of allowed benefit		 50%
of reasonable
& customary		 Member pays
$2,900
(2-year case)
Lifetime Maximum Benefit
(Class IV only)		 $1,500 total for in-network
and out-of-network
orthodontic services		 $1,500 total for in-network
and out-of-network
orthodontic services		 No maximum

Note: "Allowed benefit" is the negotiated fee that is determined to be reasonable and customary by the insurance company. ConcordiaPLUS is a Dental Maintenance Plan (DMO) offered by United Concordia, and it pays benefits on a fixed schedule. For comparison purposes, the amounts have been converted to percentages for use in this chart only. The actual fee schedule is available at the Benefits Service Center.