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Select Health Dental Copay
The **SelectHealth Classic Network Copay Dental Plan** offers dental coverage with predictable copays for preventive care, fillings, extractions, root canals, crowns, dentures, and other covered dental procedures. One of the biggest advantages of this plan is that there is **no annual maximum benefit**, meaning there is no yearly dollar limit on what the insurance company will pay for covered dental services. The plan has an annual deductible of $50 per individual or $150 per family and uses the SelectHealth Classic Dental Network. Preventive services have no waiting period, basic dental services have a 3-month waiting period, and major dental services have a 6-month waiting period. Dental implants are also included, subject to the plan's copay schedule and limitations. This plan is a great option for individuals and families who want predictable dental expenses without worrying about reaching an annual benefit maximum.
Carrier
SelectHealth
Plan Year
2027
Individual and Family Deductible
Dental insurance deductibles work similarly to health insurance deductibles, but they apply specifically to dental care. Individual deductibles are the amount a person must pay out-of-pocket for covered dental services before the insurance starts covering a portion of the costs. In a family plan, each family member has their own individual deductible, but many plans also have a family deductible cap, meaning once the family’s combined spending reaches a certain limit, the insurance will kick in for all members. These deductibles generally apply to services like fillings, crowns, and other restorative treatments, but routine care such as cleanings and exams may be covered without needing to meet the deductible. Understanding how these work ensures you're prepared for any out-of-pocket costs when seeking dental care.
Individual Deductible
$50
Family Deductible
$150
Deep dive of this dental plan's benefits
Preventative Care
The SelectHealth Classic Network Copay Dental Plan includes preventive dental services with set copays when using an in-network dentist, with no waiting period. Benefits include two routine dental exams and cleanings per calendar year, routine dental X-rays, and additional preventive services for children, including fluoride treatments twice per year for children under 18, dental sealants for eligible children under 15, and space maintainers for children under 15. These preventive benefits help individuals and families maintain healthy teeth and gums while identifying dental problems early, before they require more extensive and expensive treatment. Specific copay amounts are listed in the plan's copay schedule.
Minor Dental Services
The SelectHealth Classic Network Copay Dental Plan covers basic dental services with set copays after the deductible when using an in-network dentist. Covered services include common dental procedures such as cavity fillings, tooth extractions, oral surgery, emergency dental treatment for pain relief, and certain anesthesia services. Basic dental services have a 3-month waiting period before benefits become available. Instead of paying a percentage of the dental bill, members pay the applicable copay listed in the plan's copay schedule, making it easier to anticipate the cost of common dental treatments.
Major Dental Services
The SelectHealth Classic Network Copay Dental Plan covers major dental services with set copays after the deductible when using an in-network dentist, helping make more extensive dental procedures easier to budget for. Covered services include crowns, root canals, bridges, dentures, crown buildups, and periodontal treatments for gum disease, including deep cleanings and periodontal surgery. Major dental services have a 6-month waiting period before benefits become available. Members pay the applicable copay for each covered procedure according to the plan's copay schedule. With no annual maximum benefit, this plan can be especially valuable for individuals who anticipate needing multiple dental procedures throughout the year.
Orthodontia for Children
The SelectHealth Classic Network Copay Dental Plan does not include orthodontic coverage for children or adults. This means treatments such as traditional braces, Invisalign, clear aligners, retainers, and other orthodontic services are not covered under this plan. Members who need orthodontic treatment would be responsible for the full cost of these services.
Implant Coverage
The SelectHealth Classic Network Copay Dental Plan includes coverage for dental implants when using an in-network dentist, helping make the cost of replacing missing teeth more manageable. Dental implants are a long-lasting solution that can restore your smile, improve chewing ability, and help maintain your overall oral health. Members pay the applicable amount listed in the plan's copay schedule. Replacement of teeth that were already missing before coverage began has a 36-month waiting period. Implant coverage is subject to plan limitations, including restrictions on how frequently implants can be replaced.
Maximum Yearly Dental Benefit
One of the biggest advantages of the SelectHealth Classic Network Copay Dental Plan is that it has no annual maximum benefit. Unlike traditional dental insurance plans that limit how much the insurance company will pay each year, this plan does not have a yearly dollar cap on covered dental services. This can be especially beneficial for individuals who need extensive dental work, such as multiple crowns, root canals, bridges, dentures, or other major procedures. Members pay the applicable copays and deductible for covered services, without worrying about exhausting a $1,000 or $2,000 annual benefit maximum. All services remain subject to the plan's waiting periods, frequency limitations, and exclusions.
Full Summary of Benefits and Helpful Links
Official plan documents, including the Summary of Benefits and Coverage (SBC) and insurance policy, provide more detailed information about how your health plan works, including deductibles, copays, coinsurance, covered services, and other important benefits. You can also use the provider search links to check which doctors, specialists, hospitals, and other healthcare facilities participate in the plan’s network. We recommend reviewing these resources when comparing plans so you can better understand your coverage, expected costs, and whether the doctors and facilities you prefer are included.
Helpful Links
Schedule a consultation with a local health insurance agent
Insurance doesn’t have to be confusing, and you don’t have to figure it out on your own. Our local Utah Avenue Insurance agents are here to help you compare your options, understand your benefits, and find coverage that fits your healthcare needs and your budget. We can help with Marketplace and private health insurance, Medicare Advantage and Medicare Supplements, dental, vision, life insurance, accident coverage, and more. Meet with us in person, virtually, or over the phone—whatever is easiest for you. Best of all, there is no cost to work with one of our agents, so schedule your consultation today and let us help you find the right coverage with confidence.
The plan benefits, costs, copays, deductibles, networks, and other information shown on this page are provided for general informational purposes and may change. Utah Avenue Insurance makes every effort to provide accurate and up-to-date information; however, the insurance carrier’s official policy documents, Summary of Benefits and Coverage (SBC), and other plan documents will always govern your coverage. Provider networks and prescription drug formularies may also change, so we recommend verifying your doctors, hospitals, and medications before enrolling. If you have questions about a benefit or cost, please contact a Utah Avenue Insurance agent and we’ll be happy to help you review the plan details.
PPO Plans and Out of Network Limitations and Balance Billing
Some dental plans offer out of network coverage. This is a great benefit because you can visit any dentist in the nation. Which means that if you are traveling, or have a dental emergency, you can visit a dentist for the service you need right away and have a portion of your bill covered by your dental insurance. Please note that if you see an out of network provider, that dentist is allowed to "balance bill" you. This means that your dental insurance company pays your dentist what is reasonable and customary for the services you received. In most situations that dentist accepts that payment and you are only responsible for your portion of the bill. Occasionally, that dentist will decide that the reasonable and customary amount they received from the dental insurance is not enough. That dentist will bill you for the additional charge or 'balance bill' you. You are responsible to pay this amount and contact the dentist to work out a payment plan.
