Altus Dental Insurance Company, Inc.

BIG News for Small Business in Massachusetts!

Available for small businesses with 1 to 4 employees.

100% participation is required.

You are responsible for any difference between our payment and the non-participating dentist's charge.

Dependent Coverage- Dependent children who are full-time students over age 19 are covered as long as they stay in school or up until the end of the month that they turn 23.

Massachusetts small business with one to four employees are eligible for dental benefits at affordable group rates.

Altus Dental offers a comprehensive plan designed just for you. All small businesses are eligible to join, and here's a few reasons why you should:
* Competitive Pricing
* Flexible benefits
* Responsive, toll-free customer service
* Dentists submit claims
* Fastest -growing, easily accessible dental network
*Instant online access to benefit and eligibility information.
Altus Dental is part of a family of commonly-owned and managed dental benefits companies with extensive cost management capabilities backed by proven dental expertise.

Small Business Monthly Rates

Individual: $33.28

Family: 102.85

Effective Dates of 10/1/06, 11/1/06, 12/1/06
(Rates are guaranteed for 24 months from the effective date of the group.)

Altus Dental Small Business Plan
Each person covered by this dental plan is eligible for the services listed up to $1000 per person, per calendar year. Unmarried dependent children are covered to age 19. To be covered, services must be dentally necessary in accordance with Altus Dental's treatment guidelines.

Out-of-Network Provisions
Altus Dental will pay 80% of the in-network coverage level for the specific service, based on the reasonable and customary charge for the dentist's area.

Plan pays 100%; Member Coinsurance 0% (In-Network)
Plan pays 80% Member Coinsurance 20% (Out-of-Network)
* 2 oral exams per calendar year
* 2 cleanings per calendar year
* Flouride treatment for members under age 19, twice per calendar year
* X-rays: 1 bitewing series per calendar year,
1 full mouth series or panoramic every 3 years, single x-rays as required
In Network - Plan pays 80% ; Member coinsurance 20%

Out of Network - Plan pays 64% ; Member coinsurance 36%
  • Sealants for children under age 16; once per permanent molar in a 3 year period.
  • Fillings:
    • amalgam (silver) fillings
    • composite (white) fillings on front teeth (for composite fillings on back teeth, the plan pays up to what would have been paid for an amalgam filling)
  • Vital pulpotomy for dependents under age 14
  • Root canal therapy
  • Repairs to existing partial/complete dentures, once every 12 months
  • Rebasing or relining of partial or complete dentures, once every 5 years
  • Recementing of crowns or bridges
  • Biopsies of hard or soft tissue when not covered by your medical plan
  • Procedures necessary to relieve acute pain twice per year.
  • Extractions and other routine oral surgery when not covered by your medical plan.
  • General Anesthesia/IV sedation for complex surgical procedures.
  • Space maintainers for lost baby teeth
  • Periodontal maintenance following active therapy, two per year
  • Root planing and scaling once per quadrant every 24 months*

*Pretreatment Estimate recommended

*Pretreatment Estimate recommended