Dental Policy

Templates

Dental Policy

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Insurance

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Description

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Policy Effective Date

Indicates the date the dental insurance policy becomes active and coverage begins.

Policy Expiration Date

Specifies the date on which the dental policy ends or must be renewed for continued coverage.

Carrier

Specifies the name of the insurance provider underwriting the dental policy.

Deductible Individual

Defines the annual deductible amount the insured individual must pay before the policy begins covering eligible dental expenses.

Deductible Family

Outlines the cumulative annual deductible that applies across all family members insured under the same policy.

Maximum Annual Benefit

States the maximum dollar amount the insurer will reimburse per insured individual during the policy year.

Preventive Services

Details covered routine dental care such as oral exams, prophylaxis (cleanings), fluoride treatments, and diagnostic x-rays.

Basic Services

Describes coverage for standard dental procedures, including fillings, non-surgical extractions, and minor restorative work.

Major Services

Outlines coverage for complex or restorative procedures such as crowns, surgical extractions, root canals, bridges, and dentures.

Eligibility

Specifies eligible policyholders and dependents, including criteria such as employment status, age limits, or relationship to the primary insured.

Exclusions and Limitations

Highlights services and conditions not covered under the policy or covered only under specific restrictions (e.g., cosmetic procedures, waiting periods, frequency limits).

This AI template extracts key details from dental insurance policies, helping carriers, brokers, and benefits teams streamline policy review and data entry. It captures essential policy term information including the effective and expiration dates, as well as the name of the carrier. The tool also pulls deductible amounts for both individuals and families, ensuring clear visibility into upfront costs for insured members.

In addition, the template identifies core benefit categories such as preventive, basic, and major dental services—ranging from routine cleanings to crowns and surgical procedures. It also extracts the annual maximum benefit per individual, eligibility criteria for policyholders and dependents, and highlights key exclusions and limitations like cosmetic procedures or waiting periods. This allows for quick comparison across plans and improved onboarding into internal systems.

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