Paying for Care

This section will help participants understand how they pay for care under the SAIC Dental PPO Plan.

Employee Contributions

SAIC and participants share the cost of coverage. Each month, a participant who enrolls in the SAIC Dental PPO Plan contributes a set dollar amount to help pay for the cost of the plan. SAIC pays for the rest of the cost. The contribution amount will vary based on the coverage level the participant has elected: employee only, employee plus spouse, employee plus one or more children or family coverage. These contributions are taken automatically from the participant's paycheck on a pre-tax basis. Premiums for domestic partners are paid by the participant on an after-tax basis.

Annual Deductible

The "deductible" is the initial $50 each participant must pay for dental services he or she receives each calendar year before the plan begins to pay benefits.

Coinsurance

"Coinsurance" is the percentage of eligible expenses a participant pays for dental services once he or she meets the deductible.

Annual Maximum Benefit

The annual maximum benefit is the total amount a plan will pay for covered dental services for a participant each plan year. Once a participant meets this yearly maximum, the plan will not pay any more benefits until the next plan year.

Each year, the SAIC Dental PPO Plan will pay a maximum of $1,500 per participant.

Note: There is a separate $1,500 lifetime maximum for orthodontic services per participant.