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 16 and under.

Basic Dental Services include x-rays, fillings, sealants (to age 16), and simple extractions and have a six-month waiting period.

Major Dental Services 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. There is a 24-month waiting period for Orthodontic Services, which 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 above to learn more about each plan option.

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.

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.

Applications

Standard Application

Senior Application

Brochures

Standard Brochure

Senior Brochure

Rates

Standard Rates

Senior Rates

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 AIG provider network click the link below.