Dental
Dental plans
Keep your smile healthy
Rich’s offers two dental plans to help you and your family stay on top of everything from routine cleanings to more extensive dental care.
overview
Plans at a glance
Some plans cost more each month but cover more when you need care—others have lower monthly costs but you’ll pay more out of pocket when you use them. Have a look.
Basic
Enhanced
COMPARISON TABLE
See how the plans stack up
Compare plans side by side—see what they cover, what they cost, and what sets them apart.
Basic
Enhanced
Annual Deductible
Individual
$100
$50
Family
$300
$150
Annual Maximum
$1,000
$2,500
Preventive Services
Routine checkups and cleanings that help keep your teeth and gums healthy. Think exams, cleanings, and X-rays.
100%
100%
Deductible Waived?
Normally you pay a deductible before insurance kicks in, but when the deductible is waived, your plan starts paying right away for certain services (often preventive care).
Yes
Yes
Basic Services
These are common dental treatments beyond cleanings—like fillings or simple tooth extractions.
80%
80%
Major Services
These are bigger dental treatments, such as crowns, bridges, or dentures.
60%
80%
Endodontics
This is dental care for the inside of your tooth, such as root canal treatments.
80%
80%
Periodontics
This covers treatment for your gums and the bone that supports your teeth, such as gum disease care or surgery.
80%
80%
Implant Coverage
Dental implants are a permanent way to replace missing teeth.
60%
80%
Missing Tooth Exclusion
Coverage for replacing teeth already missing before you enrolled.
Yes
Yes
Benefit Specific Waiting Periods
None
None
Orthodontia Services
These are treatments like braces or clear aligners that straighten teeth and correct bites.
Not covered
50%
Eligible Members
The most you’ll pay in a plan year for covered services, including deductibles, copays, and coinsurance. After reaching this limit, the plan pays 100% of in-network covered costs.
N/A
Adult and child
Lifetime Maximum
The most you’ll pay in a plan year for covered services, including deductibles, copays, and coinsurance. After reaching this limit, the plan pays 100% of in-network covered costs.
N/A
$2,000
Out of Network Reimbursement
If you see an out-of-network dentist, the dental plan will pay based on the 70th percentile. That means the plan covers costs up to the amount that 70% of dentists in your area charge for the same service. If your dentist charges more, you may have to pay the difference.
70th
70th
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