Dental
Dental coverage helps you maintain a healthy smile with preventive care, basic services, and major procedures. You can visit any licensed dentist, but you’ll save the most when you use an in-network provider who has agreed to discounted rates. Out-of-network dentists may charge more than the plan’s allowed amount, and you may be responsible for the difference. Most plans cover preventive services—such as exams, cleanings, and X-rays—at 100% when you stay in-network, making regular checkups an easy way to protect your oral health and avoid costly issues.
Aetna Dental PPO
Benefit Highlights
In-Network
Deductible (Individual/Family)
$50/$15o
Plan Maximum
$2,000
Preventive Care
$0
Basic Services
10% after deductible
Major Procedures
40% after deductible
Orthodontia (Adults and Children)
50% up to a lifetime maximum benefit of $1,000 per individual; deductible waived
Out-of-Network
Deductible (Individual/Family)
$50/$150
Plan Maximum
$2,000
Preventive Care
$0
Basic Services
10% after deductible
Major Procedures
40% after deductible
Orthodontia (Adults and Children)
50% up to a lifetime maximum benefit of $1,000 per individual; deductible waived
Plan Cost
Keker, Van Nest & Peters pays the majority of the cost of employee’s medical, dental and vision coverage and you pay a greater portion of dependent insurance premiums. Keker, Van Nest & Peters pays the full cost of your Life, AD&D, and LTD coverage. You pay for benefit premiums on a pretax basis. Since your healthcare contributions are subtracted from your gross pay before federal, state, and Social Security taxes are withheld, you pay less in taxes. Because this tax advantage reduces your reported taxable wages, your Social Security benefits could be slightly reduced when you become eligible to receive them.
Domestic partner contributions are regulated by the IRS. Contributions you make for domestic partner coverage must be made on a post-tax basis.
Employees and Associates wishing to decline medical coverage will receive $200 a month opt-out credit with proof of other medical coverage. This credit is considered taxable compensation.