Plan Information


Starmount Increasing Max 2.0 Plan Schedule of Covered Services and Copayments

This plan rewards your loyalty by increasing your annual maximum from $1,000 per covered person in year one, up to $1,500 per person in year three*. Members further reduce out-of-pocket costs for any services through our national network of 323,000+ dentist access points. ** Services not covered by your plan may still be eligible for in-network discounts from providers who offer discounts.***

Schedule of Covered Services and Copayments
* First three years. Subject to policy deductible, annual maximum and limitations and exclusions.
** If you use an out-of-network dentist, benefits are paid based on the network-negotiated rate, and you may be billed for any remaining amount up to the billed charge.
*** Not an insured benefit.
  Plan Pays
Year 1 Year 2 Year 3
Preventive/Diagnostic
No waiting periods
  • Routine exams and cleanings (2 per 12 months)
    -1 additional cleaning or periodontal maintenance per 12 months if member is in 2nd or 3rd trimester of pregnancy
  • X-rays
    - Bitewing x-rays (1 per 12 months)
    - Full mouth / panoramic x-rays (1 per 5 years)
  • Children’s Services (up to age 14)
    - Fluoride treatment (1 per 12 months)
    - Sealants (1 per 36 months)
  • Adjunctive Pre-Diagnostic Oral Cancer Screening (for age 40+, 1 per 12 months)
100%
Basic Services
No waiting periods
  • Space maintainers (up to age 14, 1 per 24 months)
  • Simple restorative services (Fillings)
  • Simple extractions
  • Emergency treatment
80%
Major Services
No waiting periods
  • Oral surgery (extractions and impacted teeth) & Anesthesia (subject to review, covered with complex oral surgery)
  • Repair of Crown, Denture, or Bridge
  • Periodontics
  • Endodontics (Root Canals)
  • Inlays and Onlays
  • Crowns, Bridges, Dentures and Endosteal Implants (in lieu of an approved 3-unit bridge)
10% 25% 50%
Deductible
(For Basic and Major Services Only)

Per person, per benefit year.
Maximum 3 per family.

$50
$150
Benefit Year Maximums
(Applies to all services)
Per person, per benefit year. $1,000 $1,250 $1,500

 

Underwritten and administered by Starmount Life Insurance Company. Please Note: A full listing of covered procedures will be provided with your policy. This website is not a contract of insurance. This is a brief description of the plan and should be used only as a guide. It does not contain complete plan details. Terms and conditions, including a complete list of benefits, limitations and exclusions, are defined in the policy issued following enrollment in the plan. If questions arise concerning coverage, the policy will govern. Not available in all states. Rates and benefits may vary by state. Policy form series IDN2016P.

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