Dental Insurance

LSU partners with Humana to provide you and your family with valuable Dental coverage at affordable rates. There are 2 options—Basic and Enhanced. You may select coverage for yourself, your spouse, and/or your child(ren). Children are eligible for coverage up to age 26. If you and your spouse are both LSU employees, only one of you may enroll in Family coverage.

To search for a provider, please visit the Humana webpage and click on “Shop for Providers – Find a Provider.” You will enter in your zip code, select Coverage Type PPO and Network PPO/Traditional Preferred.

Basic Dental Plan

The Basic Dental Plan is designed with two goals in mind: to promote good dental hygiene through preventive care and to provide you with the dental care you need at a low cost. The Plan will cover a percentage of Usual and Customary (U&C) charges, including 100% of preventive claims. All in-network dentists have agreed to honor the negotiated rates; however, out-of-network dentists may charge more, leaving you with additional out-of-pocket expenses. The Basic Plan has an annual deductible of $50/person up to $150/family for Basic and Major Services.

Dental Services	In-Network	Out-of-Network
Preventative and Diagnostic (Deductible is waived for these services)	100%	100%*
Basic ServicesMinor Restorative Simple Extractions Periodontics Endodontics Oral Surgery	45%	45%*
Major ServicesCrown & Bridge Dentures	20%	20%*
Orthodontia - Adult & Child	Not covered on this plan	Not covered on this plan
Deductible	$50/$150	$50/$150
Annual Maximum	$1,000	$1,000
Waiting Period	None	None

*Out of Network benefits are based on the Maximum Allowable Charge (MAC) of In-Network Benefits. Members may be balance billed the difference if using an Out of Network provider.

Enhanced Dental Plan

The Enhanced Dental Plan offers comprehensive dental coverage in an easy-to-use format. The Plan will cover a percentage of Usual and Customary (U&C) charges, including 100% of preventive claims. All in-network dentists have agreed to honor the negotiated rates; however, out-of-network dentists may charge more, leaving you with additional out-of-pocket expenses. Orthodontia is also included in the Enhanced Plan, making it a good choice for families with more extensive dental needs. The Enhanced Plan has an annual deductible of $50/person up to $150/family for Basic and Major Services.

Dental Services	In-Network	Out-of-Network
Preventative and Diagnostic (Deductible is waived for these services)	100%	100%
Basic ServicesMinor Restorative Simple Extractions Periodontics - maintenance	80%	80%
Major ServicesPeriodontics - surgical Endodontics Oral surgery Crown & Bridge Dentures	50%	50%
Orthodontia - Adult & Child (Lifetime maximum of $1500 per person)	50%	50%
Deductible	$50/$150	$50/$150
Annual Maximum	$2,000	$2,000
Waiting Period	None	None