IQVIA Benefits Handbook
COINSURANCE
Coinsurance
After you meet the deductible, you and IQVIA each pay for a percentage of the cost for covered services called coinsurance.
After you meet the deductible for basic and major services, you and IQVIA share a percentage of the cost each time you receive dental services. The coinsurance amount for basic and major services that the plan pays is the same for both plan options and is listed below for each type of service:
  • Basic (e.g., filling, simple extractions, root canals, gum treatment): 80% after deductible
  • Major (e.g., crowns, bridges, dentures, implants): 50% after deductible
In the Enhanced Plan, the plan will pay 50% of the benefit for orthodontia treatment at the time of the initial treatment and the remaining 50% 12 months later, assuming you continue to be enrolled in the Enhanced Dental Plan. The general plan of treatment for orthodontic care is 18 to 24 months. If the course of treatment is less than 12 months, the plan will make one payment at the time of the initial treatment.