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Announcing Premier's Small Group Select Dental Insurance
Plans
With 65 percent of America's Economy being made up of firms with 9
employees or less, you can bet the world of "small business" is
competitive when it comes to attracting and retaining
employees. A well-rounded employee benefits package can
contribute to a company's competitive edge. While dental care
and other insurance benefits - or the lack of them - shouldn't get
in the way of choosing the right job, Premier Access understands
this is often the case. Not only that, small businesses care
about their employees just as much as their larger counterparts do,
and are continually looking for ways to sho it
Premier Access Small Group Select Plans bring simple solutions to
the table. Specifically designed for businesses with 3 - 9
employees, Small Group Select Plans offer Five plans to choose from,
all with an Orthodontia option, and all with off-the-shelf rates!
The
Nevada Small Group Select Dental Insurance Plans from Premier Access
(3-9 Employees)
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Small Group Select Plans |
|
Benefit |
Plus Plans #5 & #6 |
Plus Plans #11 & #12 |
PPO Plan Custom 1/114 |
| |
PCN |
PPO |
non-Network1 |
PCN |
PPO |
non-Network1 |
PCN |
PPO |
non-Network2 |
|
Class 1 - Preventive |
100%3 |
100% |
100% |
100%3 |
100% |
100% |
100%3 |
100% |
50% |
|
Class 2 - Basic |
100%3 |
80% |
80% |
100%3 |
90% |
90% |
100%3 |
80% |
50% |
|
Class 3 - Major |
100%3 |
50% |
50% |
100%3 |
60% |
60% |
100%3 |
50% |
50% |
|
Calendar Year Deductible* |
$0 |
$50 |
$50 |
$0 |
$50 |
$50 |
$0 |
$50 |
$50 |
|
Class 4 - Orthodontia |
50% |
50% |
50% |
50% |
50% |
50% |
50% |
50% |
50% |
|
Child & Adult Ortho |
yes |
yes |
yes |
yes |
yes |
yes |
yes |
yes |
yes |
|
Ortho Lifetime Maximum |
$1,500 |
$1,500 |
$1,500 |
$1,500 |
$1,500 |
$1,500 |
$1,500 |
$1,500 |
$1,500 |
Class 1 - Preventive = Oral Exams, Prophylaxis, Flouride & X-Rays
Class 2 - Basic = Emergency (Palliative), Restorations, Oral
Surgery, Sealants, Periodontics & Endodontics
Class 3 - Major = Inlays, Crowns, Dentures, Bridges, Repairs & Other
Prosthetics
Chart Footnotes
1) Plus Plans pay for Non-Network
Dental provider services according to a Maximum Allowable Charge
(MAC) fee schedule. Non-network providers might charge more
for certain services than the MAC fee schedule covers.
Therefore, members could be subject to balance billing when using
Non-Network Dental Providers.
2) PPO Plan Custom 1/114 pays for Non-Network
Dental Provider services based upon Usual, Customary and Reasonable
(UCR) fees.
3) Services are covered at 100% except for
the following, which have a co-pay fee: office visit - $15;
posterior composites - $25; crowns and bridges - $195 each; dentures
- $195 per unit; root canals, extractions and deep cleanings - $35.
Pricing for the Nevada
Small Group Premier Access Dental Insurance
Updated August
12th, 2007 (Region Codes:
NV1=890-891; NV2=All other areas not Las Vegas)
| |
|
Plus Plan 5 |
Plus Plan 6 |
Plus Plan 11 |
Plus Plan 12 |
PPO Plan 1/114 |
| |
|
$1,000 Annual Max |
$1,500 Annual Max |
$1,000 Annual Max |
$1,500 Annual Max |
$1,000 Annual Max |
| |
Regions |
NV1 |
NV2 |
NV1 |
NV2 |
NV1 |
NV2 |
NV1 |
NV2 |
NV1 |
NV2 |
| Single Employee |
w/o ortho |
$24.80 |
$24.80 |
$27.50 |
$27.50 |
$28.70 |
$28.70 |
$31.90 |
$31.90 |
$25.00 |
$25.00 |
| w/ortho |
$25.80 |
$25.80 |
$28.50 |
$28.50 |
$29.70 |
$29.70 |
$32.90 |
$32.90 |
$26.00 |
$26.00 |
|
Employee
+ Spouse |
w/o ortho |
$53.30 |
$53.30 |
$59.10 |
$59.10 |
$61.70 |
$61.70 |
$68.60 |
$68.60 |
$53.80 |
$53.80 |
| w/ortho |
$55.30 |
$55.30 |
$61.10 |
$61.10 |
$63.70 |
$63.70 |
$70.60 |
$70.60 |
$55.80 |
$55.80 |
|
Employee
+ Child(ren) |
w/o ortho |
$54.60 |
$54.60 |
$60.50 |
$60.50 |
$63.10 |
$63.10 |
$70.20 |
$70.20 |
$55.00 |
$55.00 |
| w/ortho |
$64.70 |
$64.70 |
$70.60 |
$70.60 |
$73.20 |
$73.20 |
$80.30 |
$80.30 |
$65.10 |
$65.10 |
|
Employee
+ Family |
w/o ortho |
$81.80 |
$81.80 |
$90.80 |
$90.80 |
$94.70 |
$94.70 |
$105.30 |
$105.30 |
$82.50 |
$82.50 |
| w/ortho |
$91.90 |
$91.90 |
$100.90 |
$100.90 |
$104.80 |
$104.80 |
$115.40 |
$115.40 |
$92.60 |
$92.60 |
Underwriting Requirements
1) Groups of 3-9 employees.
2) Ineligible industries listed below:
- Dentist offices and dental practices
- Law firms & legal related SIC's
- Membership Organizations
- Bowling alleys
- Car Washes
- Taverns, nightclubs and non-classifiable
establishments
3) Rates assume no waivers for any reason, ALL employees must
enroll.
4) DHMO is not qualified as like coverage except when
enrolling into a plus plan.
The Rates are Based on the Following Assumptions
1) The employer pays 100% of the employee premium and 0% of
the dependent premium.
2) 100% Participation by ALL eligible employees (required for
all Super Small Groups Plans).
Please Complete the below
Form to Request More Information or to Request a Quote for Premier
Access Dental Insurance for Groups Larger than 10 Employees
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Las Vegas, NV Residents call: 656.5915
Nationwide Toll Free: 877-81-INSUR
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Terms & Conditions
A) The
benefit waiting period for Major Services is as follows:
- No waiting period for employees who are on at the time of the initial
enrollment of the group
- Twelve-month waiting period for employees without current similar group
coverage
B)
Orthodontia coverage is only available for groups with previous similar
orthodontia benefits and no lapse in coverage.
C) Eligible
employees must be actively at work for a minimum of 20 hours per week to receive
benefits
D) Proposal
rates are illustrative and require underwriting approval. Rates are
subject to change based on underwriting review. If approved, these rates
are guaranteed for twelve months.
E) Exclusions
and limitations apply. Please request a Certificate of Insurance for
further details.
F) Effective
date for Super Small Groups Benefits and Rates is April 1, 2006. | |
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