Regular dental care does more than protect your smile—it can also support your overall health. Tarsus offers two Sun Life dental plans to help you stay on top of preventive care and get treatment when you need it. Both plans cover the same types of routine care, with different costs and levels of coverage to fit your needs.
Choose the plan that fits your needs
A lower-cost option
If you’re looking for lower paycheck deductions and don’t expect to need orthodontic care, the Low Plan may be a good fit. Keep in mind that it has a lower annual benefit maximum and doesn’t include orthodontia coverage.
More coverage and orthodontia
If you’d like a higher annual benefit maximum or expect someone in your family to need orthodontic care, consider the High Plan. You’ll pay more from each paycheck in exchange for the additional coverage.
Which plan is right for you?
Both plans give you the flexibility to visit any licensed dentist, but you’ll generally save the most when you choose a Sun Life Preferred Dentist. These in-network providers have agreed to negotiated rates, which can help lower your out-of-pocket costs.
If you visit a non-preferred dentist, the plan pays benefits based on the Reasonable and Customary amount for care in your area. Because your dentist may charge more than that amount, you could be responsible for the difference in addition to your usual share of the cost.
| Plan Features | Sun Life Dental PPO Low | Sun Life Dental PPO High | ||
|---|---|---|---|---|
| Plan Features | In-Network | Out-of-Network | In-Network | Out-of-Network* |
| Calendar Year DeductibleWaived for preventive services · Individual / Family | $50 / $150 | |||
| Calendar Year Benefit Maximum | $1,250 | $3,000 | ||
| You pay: | ||||
| Diagnostic & Preventive Servicese.g., x-rays, cleanings, exams | Covered in full | |||
| Basic & Restorative Servicese.g., fillings, extractions, root canals | 10% after deductible | 20% after deductible | 10% after deductible | 10% after deductible |
| Major Servicese.g., dentures, crowns, bridges | 40% after deductible | 50% after deductible | 40% after deductible | 40% after deductible |
| OrthodontiaAdults and children | Not covered | 50% after deductible | ||
| Orthodontia Lifetime Maximum | N/A | $1,500 per individual | ||
*Out-of-network benefits are based on the Reasonable and Customary amount for your area.
Monthly premium
| Coverage Tier | Sun Life Dental PPO Low | Sun Life Dental PPO High |
|---|---|---|
| Employee Only | $6.00 | $16.69 |
| Employee and Spouse | $12.00 | $35.03 |
| Employee and Child(ren) | $12.00 | $43.33 |
| Employee and Family | $18.00 | $61.30 |
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