Dental Plan
In following with our corporate culture of providing the best to our team, we have selected Sun Life as our dental care insurance provider. Sun Life's nationwide network of dentists provides you and your family members the flexibility to choose any dentist that you wish to use.
You may elect dental coverage for yourself and eligible family members. The plan provides coverage for services from any licensed dentist – however, you can optimize your benefits by accessing care from a contracted provider. Non-network dental services are subject to usual, customary, and reasonable (UCR) fees, which may result in additional costs if the dentist charges more than the carrier-contracted fees. This is referred to as balance billing.
Please reference the Dental Provider Directory to find dentists that are in-network with Guardian, so you can maximize your coverage. Select PPO plans and then select Sun Life Dental Network.
Employee's premiums are staying the same for 2026! *Imputed income applies for domestic partner premiums, post-tax.
PLEASE NOTE: The orthodontia benefit has a lifetime maximum of $1,500. Orthodontic lifetime maximum caps how much money your dental plan will contribute to orthodontic work over the course of your lifetime. It does not renew yearly or reset when switching insurance carriers. Any prior orthodontic services will be applied to your lifetime maximum benefit amount with Sun Life.
*For out-of-network providers, Sun Life will only pay dentist up to the 90th percentile of the Usual, Customary and Reasonable (UCR) prevailing billed charges in the dentist's zip code. If your dentist charges a rate higher than this benchmark, you are responsible for the additional charges. Ask your dentist for an estimate if you are concerned.
Contributions
Disclaimer: This presentation provides a summary of the employee benefit programs offered by Spreetail. Should any discrepancies arise, please refer to the actual plan documents, which supersede this presentation. Once enrolled, you will receive a Combined Evidence of Coverage and Disclosure Form detailing the exclusions, limitations, and the full range of covered services of your plan.