Dental

Dental Plan overview

Level’s Self Insured Dental Plans are designed to support oral health by covering a variety of dental services. Below is essential information for HR administrators regarding the management of these benefits.

Coverage

The Dental Plan covers the following services:

• Preventive care: Exams, cleanings, x-rays
• Basic restorative services: Fillings, root canals, extractions
• Major restorative services: Crowns, bridges, dentures
• Orthodontics: May include braces or aligners, depending on the plan
• For specific coverage details, limits, and exclusions, refer to the Level App.

Eligibility

Eligibility is determined by employer policy and may extend to spouses, partners, and dependents under 26. For employees and dependents who have elected for dental coverage, Level requires an enrollment file or manual action to specific details about new enrollments or enrollment changes.

Explicit enrollment is frequently used for Dental Plan accounts, but check out our Enrollment article for more options.

Cost estimates

HR administrators can view cost estimates for dental procedures in the Level App by following these steps:

1. Visit the Accounts section and select Plans, then Dental.
2. Under Coverage highlights, select a tier of coverage to view a list of treatments.
3. Select a treatment to view cost estimates for common visits, which group procedures typically associated with that treatment.

For example, a check-up exam usually includes an oral exam, x-rays, and an adult cleaning. Estimates of out-of-pocket expenses can be viewed based on providers in the employee's zip code, with the option to compare in-network and out-of-network prices.

Finding a provider

To find dental providers:

• Search by name, office, or specialty (e.g., pediatric dentist).
• If location services are enabled, results for nearby providers will display.
• Use filters to narrow down the results by selecting the filter symbol.

In-network providers will have a check mark and an in-network badge, indicating they offer discounted rates to Level members, reducing out-of-pocket costs. Administrators can guide employees to save preferred providers for easy access in the Activity section.

Submitting receipts

If employees pay upfront for dental services, they must submit an itemized receipt within 180 days using the Level App. The receipt must include:

• Date of service
• Patient’s name
• Provider’s name
• Services rendered
• Payment amount

Level Network

Employees can utilize dental benefits at any U.S. provider, with in-network providers offering discounted rates. Providers typically submit claims directly to Level. If upfront payment is required, employees should ensure they obtain an itemized receipt to submit for reimbursement.

Plan documents

For full details regarding coverage, limits, and claims procedures, HR administrators can access plan documents in the Level App.

Termination

Upon employee termination, the handling of remaining dental benefits will depend on employer policy. Employers may choose to allow access to the benefit for a select number of days, such as until the end of the month. COBRA may be extended to the employee and dependents, in which case Level is happy to work with the COBRA vendor to continue administering Dental coverage. All enrollees will have 180 days for claim submission post termination, if COBRA is not chosen.