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DENTAL INSURANCE

Building a better benefit

Lincoln makes it simple and easy to create dental plans that are just the right fit — supporting not just oral health but also overall wellness. Employers can choose from several valuable plan options, many with flexible terms and conditions as well as a large provider network. And they can rely on Lincoln to provide outstanding service, support, and optional programs and benefits, for a truly comprehensive package.

Full benefits

  • Services include preventive, diagnostic, periodontics, endodontics and major restorations
  • PPO plans include our standard PPO plan, a certified family plan and the economical maximum allowable charge (MAC) plan
  • Additional dental products include DHMO and indemnity plans

Flexible options

  • Flexible plans allow employers to choose which services will be covered and in what category of care
  • Cost-sharing options, such as coinsurance percentages, maximums and deductibles, including a lifetime deductible, can help keep employees' premiums and employers' costs down
  • Optional benefits include orthodontics and features that help employees fully use and even extend their annual maximums
  • Several wellness options include additional routine cleanings and adult fluoride

Added value

  • Discount vision services deliver savings on a variety of products and procedures
  • Our hearing program offers access to hearing care and hearing aids at discounted rates

Dental care: Part of an overall wellness solution

Good oral care is much more than just regular cleanings and x-rays. Oral conditions such as swollen or bleeding gums, mouth ulcers, dry mouth, and bone loss detected on x-rays can be the first sign of serious disorders such as heart disease, diabetes and osteoporosis. More than 90% of all systemic diseases have oral signs and symptoms, and regular dental care can play a vital role toward maintaining overall health.

It's easy to find a dentist

Our PPO plan offers more than 320,000 provider locations and more than 95,000 unique providers nationwide1.

Service with a smile

Real-time, online group administration saves time, saves money and reduces errors. Employers and employees benefit from online access to enrollments, claims and certificates, bill payment and claims management with quick, smooth implementation. And employees can access online services in English and Spanish to help them calculate costs, find a dentist and check claims status.

Contact your Lincoln employee benefits expert to learn more about this coverage.



1 Ignition Group's March 2015 NetMinder Report

The Lincoln VisionConnect® discount vision program, provided by Optum HealthAllies®, is administered by HealthAllies, Inc., a discount medical plan organization. The discount program is not a qualified health plan under the Affordable Care Act. The Lincoln VisionConnect® discount vision program is NOT insurance. The discount program provides discounts at certain health care providers for medical services. Optum HealthAllies does not make payments directly to the providers of medical services. The program member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. HealthAllies, Inc. is located at MN103-0550, P.O. Box Box 1459, Minneapolis, MN 55414. Contact information: 800-377-0263, www.optumhealthallies.com or ohacustomercare@optum.com.

The Lincoln VisionConnect® discount vision program is marketed by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, this program is marketed by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Lincoln VisionConnect® is a registered trademark of Lincoln National Corporation.

Hearing services are provided by EPIC Hearing Health Care. Lincoln DentalConnect® health center Web content is provided by go2dental.com, Santa Clara, CA. EPIC Hearing Health Care and go2dental.com are not Lincoln Financial Group® companies. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations.

Insurance products (policy series GL11, GL11LG) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products (policy series GL11) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

LCN-1240178-070215

Hello future.
Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.



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