Indemnity Dental Plan


Good oral health is important. That's why there's Denali Dental. Don't have employer dental coverage? No problem. Denali Dental allows you to select your own dentist, and is affordable for you and your family. The Denali Dental Indemnity Insurance Plan helps you cover the costs of dental care.

Denali Indemnity Chart

Covered dental services include exams, cleanings, fillings and extractions, as well as crowns, bridges and dentures. This policy pays you for covered dental expenses based upon a percentage of the Reasonable and Customary (R&C) fees for those covered expenses after the $100 lifetime deductible has been satisfied.

These percentages are: 100% for Preventive Services, 70% for Diagnostic Services and 10% for Basic & Major Services in the 1st year. In the 2nd year of coverage, Diagnostic Services increase to 80% and 50% for Basic & Major Services. In the 3rd year Diagnostic Services increase to 90%.


  • Two exams per year

  • Three cleanings per calendar year


  • One series of bitewing x-rays per year

  • Flouride treatments limited to dependents under age 19


  • Simple extractions

  • One diagnostic x-ray, full or panoramic in any 3 year period
  • Oral surgery

  • Endodontic treatment

  • Periodontic services

  • Restoration services; inlays, onlays and crowns

  • Prosthetic services; bridges and dentures

  • Veneers

  • Endosteal implants

  • Basic fillings


Calendar Year Maximums - $1,500, $2,500 or $3,500 per insured

Lifetime Deductible - 
$100 per person/
$300 per family


Dental expenses are paid based on a percentage of Reasonable and Customary (R&C) fees. This means the most common charge for similar professional services, drugs, procedures, devices, supplies
or treatment within the Geographic Area in which the charge is incurred. The most common charge means the lesser of:

  • The actual amount charged by the provider
  • The negotiated rate
  • The usual charge which would have been made by a provider (Dentist, Hospital, etc) for the same or a comparable professional services, drugs, procedures, devices, supplies or treatment within the same Geographic Area, as determined by Us.

Geographic Area" means the three digit zip code in which the service, treatment, procedure, drugs or supplies are provided; or a greater area if necessary to obtain a representative cross-section of charge for a like treatment, service, procedure, device drug or supply.