2018 Aflac Incorporated Benefits Guide

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DENTAL PLAN OPTIONS
EL IGIBI L ITY:
Dental plan options are available to all full- and part-time employees, their legal spouses or registered domestic partners,
and eligible dependents on first day of employment. Part-time employees must work at least 20 hours per week to be
eligible for coverage.
YOU SHOULD KNOW
➤➤Dental coverage is offered by Ameritas Group.
➤➤There are two dental plan options: The Network Only Dental Plan and the Choice Dental Plan.
Network Only Dental Plan Choice Dental Plan
➤➤What’s the same Benefits are the same under both options when you use in-network
dental care providers.
➤➤How the options differ • Covers eligible services only when you use
in-network dental care providers. Treatment
provided by out-of-network providers is not
covered.
• Because exclusively using in-network
providers holds down costs through
negotiated rates, Aflac pays the majority
of the premiums.
• Offers you the choice of using in-network
or out-of-network dental care providers,
with eligible services covered at the same
benefit levels.
• Because this option offers access to out-of-
network providers who have not agreed to
negotiated (discount) rates, premium rates
are higher than those for the Network Only
Dental Plan. Aflac subsidizes a portion of the
premiums.
➤➤Keep in mind • Using an in-network dentist results in lower out-of-pocket expenses and an average 25 percent
discount on services under both plan options.
• Always seek approval from Ameritas Group prior to having major dental services. This will ensure
you understand the total cost of care and how the maximum annual benefit applies. To reach
Ameritas Group, call 800-487-5553.
• If your dentist isn’t a member of the network, talk to him or her about joining.
• The directory of in-network dental care providers is available at
.
How to Apply for
Aflac Coverage