Lincoln Financial — PPO
Dental Coverage
Two PPO options from Lincoln Financial — keep your smile healthy with strong preventive coverage. Effective July 1, 2026.
2 Plan Options
Plan At-a-Glance
Compare the High and Low Option side by side. Preventive care is covered 100% on both plans.
Recommended
Richer benefits
Lincoln High Option
Lincoln • High Option
Deductible (Ind)
$50 / $50
Deductible (Fam)
$150 / $150
Annual Max
$1500.00
OON Reimbursement
80th Percentile
Preventive
100%
Basic
100%
Major
60%
Employee Only
$1.47
per paycheck • 26 pay periods
Best for: Families and frequent dental users who want stronger basic & major coverage.
Lower premium
Lincoln Low Option
Lincoln • Low Option
Deductible (Ind)
$75 / $75
Deductible (Fam)
$225 / $225
Annual Max
$1500.00
OON Reimbursement
MAC (Fee Schedule)
Preventive
100%
Basic
80%
Major
50%
Employee Only
$1.07
per paycheck • 26 pay periods
Best for: Members who mainly use preventive care and want the lowest per-paycheck cost.
Coverage Detail
What's covered
Coinsurance shown as In-Network / Out-of-Network. Deductible waived for preventive services on both plans.
| Service Category | Lincoln High OptionRec. | Lincoln Low Option |
|---|---|---|
| Coverage — In-Network / Out-of-Network | ||
| Preventive (cleanings, exams, x-rays) | 100% / 100% | 100% / 100% |
| Basic (fillings, simple extractions) | 100% / 80% | 80% / 80% |
| Major (crowns, bridges, dentures) | 60% / 50% | 50% / 50% |
| Orthodontia | N/A | N/A |
| Sealants | Preventive | Preventive |
| Endodontics (root canals) | Basic | Basic |
| Periodontics (gum treatment) | Basic | Basic |
| Oral Surgery | Basic & Major | Basic & Major |
| Anesthesia | Major | Major |
| Implants | Major | Major |
| Plan Provisions | ||
| Maximum Rollover | Yes | Yes |
| Waiting Periods | None | None |
| Eligibility | FT EE's/30+ Hrs | FT EE's/30+ Hrs |
Per-Paycheck Cost
Employee Contributions
Bi-weekly per paycheck (26 pay periods) by coverage tier.
Lincoln High Option
| Tier | Bi-Weekly Cost |
|---|---|
| Employee Only | $1.47 |
| Employee + Spouse | $7.74 |
| Employee + Child(ren) | $7.74 |
| Employee + Family | $18.53 |
Lincoln Low Option
| Tier | Bi-Weekly Cost |
|---|---|
| Employee Only | $1.07 |
| Employee + Spouse | $5.67 |
| Employee + Child(ren) | $5.75 |
| Employee + Family | $13.71 |
Find a Dentist
Search the Lincoln Dental Network
Use an in-network dentist to get the highest level of benefits and lowest out-of-pocket cost.
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