Dental
Effective January 1, 2026, Coffee County Schools will offer two dental plan options through Unum: a Standard Plan with a lower annual maximum, and an Enhanced Plan with a higher annual maximum benefit and orthodontia coverage.
Unum offers a comprehensive dental plan network and competitive employee premiums. All plans include 100% coverage for preventive care, with 2 cleanings and 2 exams every 12 months, and no deductible for these services.
The Importance of In-Network Utilization
The Unum plans offers coverage both in and out of network, but you’ll get the most value from your benefits by visiting in-network dentists.
Although we encourage all dental plan members to obtain care from in-network Unum providers to avoid balance billing, it’s especially important for Standard Plan members to access participating dentists to avoid higher out-of-pocket costs (additional information is provided below).
How to Locate In-Network Providers
- Access https://www.unum.com/employees/Benefits/dental-insurance
- Click “Find a Dentist” and follow the search instructions
| Unum Dental Coverage | Standard Plan | Enhanced Plan |
|---|---|---|
|
Calendar Year Deductible
|
$50 Individual | $150 Family | $50 Individual | $150 Family |
|
Preventive Care: Cleanings and exams - 2/12 months Bitewing x-rays - 1/12 months Full-mouth x-rays - 1/36 months Fluoride to age 16 - 1/12 months Space maintainers Oral cancer screening - 1/12 months |
100% No deductible |
100% No deductible |
|
Basic Services: Emergency pain - 1/12 months Sealants to age 16 - 1/36 months Fillings: amalgam posterior teeth Anesthesia for oral surgery * Simple extractions Oral surgery * Repairs: crown, denture, bridges* |
80% after deductible | 80% after deductible |
|
Major Services: Non-surgical periodontics Periodontal maintenance Endodontics (root canals) Surgical periodontics Inlays and onlays Crowns, bridges, dentures, and implants* |
50% after deductible *Anesthesia, oral surgery, and crown, denture, and bridge repairs are covered as major services for the Standard Plan |
50% after deductible |
|
Orthodontia Services to age 19:
Lifetime Maximum |
Not Covered | $1,000 |
|
Annual Maximum (per person)
|
$750 | $1,000 |
|
Out-of-Network Reimbursement
|
Maximum Allowable Charge (MAC) according to fee schedule | 90th% of Usual and Customary |
Standard Plan Out-of-Network Reimbursement & Maximum Allowable Charge Information
The Standard plan offers pre-determined fees for dental services with specific in-network providers to help you get quality care at better prices. Out-of-network providers may be used, but they may charge much higher rates for the services than the fees that Unum has negotiated with in-network providers. If you choose to see an out-of-network provider, you will be required to pay the difference between the actual charge and the approved in-network fee for that service in addition to any applicable coinsurance.
Enhanced Plan Out-of-Network Reimbursement
The Enhanced plan pays out-of-network claims based on reasonable and customary charges. Under this plan, your out-of-pocket expenses are lower for out-of-network providers.
Unum Carry-Over Benefit
|
Plan |
Base Annual Maximum |
Threshold Limit |
Carryover Amount |
Carryover Maximum |
Total Potential Annual Maximum |
|
Standard Plan |
$750 |
$300 |
$150 |
$500 |
$1,250 |
|
Enhanced Plan |
$1,000 |
$500 |
$250 |
$1,000 |
$2,000 |
