HealthPartners Dental Plans · promote overall health. These include hearing aids, orthodontics, vision, fitness equipment, retail discounts and much more. Online experience Employees

HealthPartners Dental PlansFor small and large groupsHealthPartners offers benefits that link dental health to overall

health. It’s an approach that improves your care outcomes, lowers

costs and helps enhance employee productivity. Together, we can

help improve overall health.

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Healthier employee smilesOn the surface, many dental plans look the same. Under the surface tells a different story.

At HealthPartners, we go beyond the basics of most dental plans to bring you more value.

The result is healthier, more productive employees and lower costs. Take a look:

Integrated dentalAt its roots, HealthPartners is an integrated health care

organization. We provide medical and dental care while

also offering both medical and dental insurance. You get a

dental plan that takes the best learnings and efficiencies to

save you time, improve care and lower costs.

MouthWise MattersHealthPartners MouthWise Matters includes benefits

to lower costs and improve health outcomes. The

periodontal benefit for diabetics and pregnancy

provides 100% coverage for extra gum treatment,

including root planing and scaling. Our Disease and

Case Management team is also here to help members

navigate health challenges.

A large PPO networkSeeing a trusted dentist is an important relationship. With

the largest PPO network in Minnesota and surrounding

communities, plus a national PPO network of more than

120,000 providers, HealthPartners helps ensure your

employees keep that relationship strong and costs low. A

large PPO network means greater member discounts.

Little PartnersSM dental benefitA child’s overall health is a priority. Little Partners provides

100% coverage at network dentists for kids 12 and under.

All small group employer plans include Little Partners

and many large groups choose the benefit. With no

coinsurance, no deductibles and no annual maximum,

kids get the care they need.

Bundled convenienceWhen you bundle HealthPartners medical and dental,

you’ll save time and reduce overall costs. With one

account team, one member services number, one website,

reporting and more, you’ll simplify administration and

improve employee experience. Bundled pricing is available

for small group plans when a qualifying HealthPartners

small group medical plan is paired with dental.

Extra benefitsUnlike other plans, dental sealants are covered for all

age groups to help prevent cavities. Plus, for dental

implants, our plans provide coverage for both the surgical

placement and cost of prosthetics. Other plans typically

cover what a bridge or dentures would cost and apply that

amount to the cost of dental implants.

Healthy DiscountsSM ProgramMembers can save money on goods and services that

promote overall health. These include hearing aids,

orthodontics, vision, fitness equipment, retail discounts

and much more.

Online experienceEmployees get access to superior online tools to view

benefit details, check claim status, search claims history,

find a provider, view enrollment materials and chat with

Member Services.

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MouthWise MattersA key part of lowering overall health care costs includes improving oral health.

HealthPartners MouthWise Matters is a platform for oral health education, offering tips

and insights to achieve better health outcomes. HealthPartners provides meaningful

dental benefits to keep your employees healthy and your costs down.

DiabetesThose living with diabetes are at an increased risk of gum

disease, which can harm blood sugar. HealthPartners

covers extra checkups, cleanings, root scaling and

planing 100% at in-network dentists, even if the annual

maximum is met. Disease and Case Management

services are also available. Other plans may only cover

extra checkups and cleanings.

PregnancyDental risk factors increase by more than 25% for pregnant

women. Cavities are common and gum disease can lead

to other harmful conditions. Pregnant women at risk of

gum disease get 100% coverage for extra, non-surgical

periodontal services to help keep mom and baby healthy.

Extra services include additional checkups, cleanings, root

planing and scaling.

What is root planing and scaling?Root planing and scaling remove bacteria and are the

clinically recommended way to manage gum disease.

Scaling removes tartar under the gum line and root

planing smooths rough spots on the tooth where

germs stick.

Visit healthpartners.com/mouthwise to learn more.

Several studies have shown that gum disease may

increase the risk of pre-term delivery. By giving

mothers 100% coverage for the oral care they

need, we’re helping to improve health outcomes

and reduce medical costs.

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Kids get the care they need with:• No coinsurance

• No deductible

• No annual limit on care

Why Little Partners?We created Little Partners so parents can rest a little easier

at night, removing most of the financial impact. More than

30,000 kids are covered with Little Partners and get the

needed care for a lifetime of smiles.

Kids and cavities Studies show that 18% of kids age 2 to 4 have cavities; it

jumps to 52% for kids age 6 to 8 years.

Little PartnersSM dental benefitSetting kids up for a lifetime of good oral health starts with the first tooth.

Little Partners gives 100% coverage to kids 12 and under at network dentists.

Visit healthpartners.com/littlepartners to learn more.

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Network choicesMeeting employees’ dental needs where they live and work is essential. HealthPartners is

here to help. While we call Minnesota home, rest assured you have both narrow and

national network options that fit just right.

HealthPartners® Dental Group

A narrow, high-value network solution featuring

HealthPartners Dental Group. It includes 25 clinics in the

Twin Cities metro area and St. Cloud.

Select

A narrow network with 300 providers featuring

HealthPartners Dental Group and Park Dental. Locations

include the Twin Cities metro area, St. Cloud, Rochester,

Duluth, Owatonna, Somerset and Hudson.

Open Access

This network features more than 2,900 PPO providers in

MN and bordering communities and more than 120,000

PPO providers from coast to coast.

Distinctions II (small group)

This is a tiered network solution with two benefit levels.

Benefit level 1 features the Select network of more than

300 providers and benefit level 2 includes the Open

Access network of 2,600 PPO providers in Minnesota

and bordering communities and more than 120,000

PPO nationwide.

Distinctions III (large group)

The Distinctions III network for large groups is a tiered

solution with three benefit levels. Benefit level 1 features

HealthPartners Dental Group clinics and benefit level 2

includes Park Dental clinics. Benefit level 3 is made up of

our Open Access network of 2,600 providers in Minnesota

and bordering communities and more than 120,000 PPO

providers nationwide.

• Get the largest PPO network in Minnesota with

more than 85% of all providers in the state

• Access to a national network of more than

120,000 PPO providers

With HealthPartners, you’ll get unique networks to fit your needs, combining both network size and savings. Our networks include:

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Dental solutionsWhether you’re a startup with five employees or a large government or commercial entity,

HealthPartners has a dental solution that fits.

Small groupsSmall group dental plans are available for groups up to

100 employees. We’re here to help you find the right fit

for your business.

Highlights

• Employer-paid (contributory) and voluntary plans

(non-contributory)

• Little PartnersSM dental benefit

• HealthPartners MouthWise Matters - Periodontal

benefit for people living with diabetes and

pregnant women

• 25% savings on the family dental rate as long as it’s

paired with a qualifying HealthPartners small group

medical plan

Large groupsFor large groups with more than 100 employees, we offer

custom solutions.

Highlights

• Choice of optional benefits to fit the group’s needs

(Little Partners)

• Detailed reporting, offering insights into performance

• Option to have preventive dental services not apply to

the annual maximum

• Coverage for implants and orthodontia available

Voluntary vs. contributory plans

A voluntary plan is when there’s no employer

contribution required. The employee pays the

total premium. A contributory plan is when

the employer pays 50 percent or more of

the premium.

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101ST. PAUL

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Albertville

Somerset

Hudson

Owatonna Rochester

Bloomington

Inver Grove Heights

Woodbury

Lake Elmo

Stillwater

White Bear Lake

MaplewoodSt. Paul (Como)

St. Paul (Midway)St. Paul

Minneapolis (Riverside)

Eden Prairie

St. Louis Park

St. Louis Park (West)

Plymouth

Brooklyn Center

Blaine

Coon Rapids

St. Cloud

DistinctionsSM Dental Plan (Employer-sponsored and voluntary)

Give your employees the best benefit choicesThe Distinctions plan has a tiered network with two

benefit levels and includes more than 2,900 dentists

throughout Minnesota and bordering communities, and

85% of Twin Cities metro-area dentists.

Benefit level 1

Features two of Minnesota’s most respected dental groups

made up of more than 300 providers — HealthPartners

Dental Group and Park Dental Clinics.

Benefit level 2

Includes more than 2,600 dentists throughout Minnesota

and bordering communities and more than 120,000 PPO

providers nationwide.

The tiered network approach gives employees the option

to see a dentist within a narrower network with better

benefits (benefit level 1) or a dentist in a larger PPO

network (benefit level 2).

For small groups, there are six Distinctions products to

choose from with varying coinsurance amounts and

annual maximums up to $3,000.

There are also two Voluntary Distinctions plans available

that give employees great benefits even if there’s no

employer contribution. There are no waiting periods for

Voluntary Distinctions plans in benefit level 1.

Distinctions is a great solution for Twin Cities area companies, including St. Cloud.

HealthPartners Dental Group Park Dental

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Sample Distinctions Plans (for small groups)

Distinctions Benefit level 1 Benefit level 2 Out-of-network

Annual maximum $2,000 $1,000 $750

Deductible

Per person per calendar year $0 $25 $50

Family $0 $75 $150

Preventive/Diagnostic care

Exams, cleanings, x-rays, flouride 100% 100% 100%

Sealants, space maintainers 100% 100% 100%

Basic I services

Amalgam fillings 100% 80% 50%

Posterior composite fillings 80% 80% 50%

Simple extractions 80% 80% 50%

Non-surgical periodontics 80% 80% 50%

Endodontics 80% 80% 50%

Basic II services

Surgical periodontics 80% 50% 50%

Other oral surgery 80% 50% 50%

Major services

Crowns, onlays 50% 50% 50%

Bridges, dentures 50% 50% 50%

Dental implants 50% 50% 50%

Voluntary Distinctions Benefit level 1 Benefit level 2 Out-of-network

Annual maximum $1,500 $1,000 $750

Deductible

Per person per calendar year $25 $50 $50

Family $75 $150 $150


Exams, cleanings, x-rays, flouride 100% 100% 100%

Sealants, space maintainers 100% 100% 100%

Basic I services No waiting period 6 month waiting period

Amalgam fillings 100% 80% 50%

Posterior composite fillings 80% 80% 50%

Simple extractions 80% 80% 50%

Non-surgical periodontics 80% 50% 50%

Endodontics 80% 50% 50%

Basic II services No waiting period 6 month waiting period

Surgical periodontics 80% 50% 50%

Other oral surgery 80% 50% 50%

Major services No waiting period 12 month waiting period

Crowns, onlays 50% 50% 0%

Bridges, dentures 50% 50% 0%

Dental implants 50% 50% 0%

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Open Access Dental Plan (Employer-sponsored and voluntary)

Your employees get the freedom to see any licensed dentist at any time. Those who

choose a network provider get greater value from our network savings.

• 2,900 PPO providers in Minnesota and bordering communities

• 120,000 PPO providers nationwide

Small group plans are available with annual maximums from $1,000 to $2,500 for

contributory plans and $750 to $1,500 for voluntary plans.

Sample Open Access Plans (for small groups)

Open Access In-network Out-of-network

Annual maximum $1,500 $1,500

Deductible

Per person per calendar year $25 $25

Family $75 $75


Exams, cleanings, x-rays, flouride 100% 100%

Sealants, space maintainers 100% 100%

Basic I services

Amalgam fillings 80% 80%

Posterior composite fillings 80% 80%

Simple extractions 80% 80%

Non-surgical periodontics 80% 80%

Endodontics 80% 80%

Basic II services

Surgical periodontics 50% 50%

Other oral surgery 50% 50%

Major services

Crowns, onlays 50% 50%

Bridges, dentures 50% 50%

Dental implants 50% 50%

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Voluntary Open Access In-network Out-of-network

Annual maximum $1,500 $1,500

Deductible





Basic I services 6 month waiting period





Endodontics 80% 80%

Basic II services 6 month waiting period



Major services 12 month waiting period




You have several dental plan options available. Our sales team is here to help find the one that’s right for you! Call 800-298-4235.

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Dental Options® Dental PlanDental Options is all about choice – for you and your employees. You choose a plan and

then your employees pick a network. It works like this:

1. Employer chooses a planAs the employer, you have two plan options to choose

from to offer your employees. Only the plan you

choose will be available to your employees during

open enrollment.

Plan options include:

Dental Options 1000

This plan has a $1,000 annual maximum

Dental Options 2000

This plan has a $2,000 annual maximum

2. Employees choose a networkOnce you’ve selected a plan, each employee will then

pick the network that best fits their needs.

There are three network options:

Dental Select

A narrow network, with the lowest premiums,

focused on providers that consistently offer the

best combination of total cost of care and quality

management. The Select Network includes

HealthPartners Dental Group and Park Dental clinics.

Open Access

Includes more than 2,900 PPO dentists throughout

Minnesota and bordering communities and more than

120,000 PPO providers nationwide.

Any dentist

Employees can visit any licensed dentist at any time at

the in-network benefit levels. Providers we contract

with in our Open Access network offer great discounts,

saving members money.

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Sample Dental Options (for small groups)

Open Access Network In-network Out-of-network

Annual maximum $1,000 $500

Deductible


Family $75 $150




Basic I services





Endodontics 80% 50%

Basic II services



Major services




What’s an annual maximum?

The annual maximum is the amount the dental

plan will pay out for dental services before your

employee has to start covering the rest. With a

$1,000 annual max, any amount over $1,000 is

the employee’s responsibility.

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Open Access Advantage(Employer-sponsored and voluntary)

Giving employees a choice is nice. And with the Open Access Advantage plan, employees can see

any dentist they want. What makes it different from our Open Access Dental plan is that the plan gives

employees an option to see an in-network dentist and lower their out-of-pocket costs. For example,

the in-network option will have a higher annual max and cover more of the cost of several services.

Open Access Advantage uses the Open Access network with 2,900 PPO providers in Minnesota and

bordering communities, plus 120,000 providers nationwide.

Sample Open Access Advantage Plans (for small groups)

Open Access Advantage In-network Out-of-network


Deductible


Family $150 $150




Basic I services





Endodontics 50% 50%

Basic II services



Major services




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Open Access Advantage Voluntary In-network Out-of-network


Deductible





Basic I services 6 month waiting period





Endodontics 50% 50%

Basic II services 6 month waiting period



Major services 12 month waiting period




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Preventive and Preventive Plus(Employer-sponsored and voluntary)

The Preventive solutions are a great way to offer employees affordable dental benefits. These

products include our PPO network of more than 2,900 in Minnesota and bordering communities

and more than 120,000 PPO providers nationwide.

Preventive

Covers 100 percent of exams, cleanings, sealants and X-rays at in-network dentists.

Preventive Plus

Includes the Little PartnersSM dental benefit and covers a percentage of Basic I services such as

fillings, simple extractions and endodontics; it doesn’t cover Basic II services such as oral surgery

and surgical periodontics.

Sample Preventive Plans (for small groups)

Preventive Dental In-network Out-of-network

Annual maximum None None

Deductible

Per person per calendar year None None

Family None None

Coverage – All members

Examinations 100% 50%

Dental cleanings (prophylaxis) 100% 50%

Pit and fissure sealants 100% 50%

Bitewing x-rays 100% 50%

Full mouth or panoramic x-rays 100% 50%

Coverage – Members under the age of 19

Topical fluoride 100% 50%

Space maintainers 100% 50%

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Preventive Plus Dental In-network Out-of-network

Annual maximum $750 $750

Deductible


Family $0 $0




Basic I services





Endodontics 50% 50%

Basic II services



Major services




Did you know?

More than 100 million Americans fail to see their

dentist each year, according to the American

Dental Association.

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Notes

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Notes

Contact usGroup Sales952-883-5200

800-298-4235 (Toll Free)

Member Services952-883-5000

800-883-2177 (Toll Free)

Monday – Friday, 7 a.m. to 7 p.m., CT

Plans are underwritten and/or administered by HealthPartners family of health plans which includes, HealthPartners, Inc., HealthPartners Insurance Company and HealthPartners Administrators, Inc. Fully insured Wisconsin plans are underwritten by HealthPartners Insurance Company.19-491094-642558 (12/19) © 2019 HealthPartners

8170 33rd Ave. S

Bloomington, MN 55425

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HealthPartners Dental Plans · promote overall health. These include hearing aids, orthodontics, vision, fitness equipment, retail discounts and much more. Online experience Employees