Dearborn National® Extends Dependent Dental Coverage to Age 26

June 1, 2010


Dearborn National continues to raise the bar for group dental coverage, announcing today it has extended coverage for dependents under age 26, effective June 1.

The company took a proactive approach to extending dependent dental care to age 26 (or the state mandated maximum) to align with new healthcare reform legislation, which requires group health insurance plans to extend dependent coverage to age 26 by September of 2010. While no such requirement exists for dental coverage, Dearborn National is voluntarily extending dependent care. Rates will not be increased as a result of this enhanced benefit.

"Dearborn National continues to lead the market with cutting-edge initiatives that promote wellness and give us one of the deepest contracts in the industry," said John Doyle, President of Dearborn National's Dental Division. "After review of our contract, we determined that extending dental coverage to age 26 for dependents was the right thing to do," he added.

In addition to extending the coverage age for dependents, effective June 1, Dearborn National also will offer the following features designed to encourage good oral health and provide leading-edge dental care to members:

  • Removal of the Missing Tooth Clause, typically a standard contract limitation, which helps members get appropriate care.
  • Optional Annual Open Enrollment, which allows members to opt in or out of the plan at the effective date instead of imposing a late entrant penalty.
  • Sealants coverage extended for dependents from ages 14 to16 for additional wellness benefits.
  • Two dental cleanings covered within each 12-month period versus the rigid every 6-month plans.
  • Panoramic x-rays covered every 36 months, where standard is every 60 months.

Dearborn National's group dental product is backed by the largest dental PPO network in America, as measured by dental access points. The product is also supported by an online Dental Wellness Center accessible through Dearborn National's Web site ( and features a variety of wellness information, including questions addressed by licensed dentists. In a proactive approach to promote wellness, Dearborn National also has engaged in a communications campaign to distribute dental wellness information directly to at-risk individuals identified in its membership.

About Dearborn National
With more than 40 years of experience, the Dearborn National brand companies offer a broad selection of insurance products that cover many markets: Group Benefits, Worksite, Individual and Annuities. We are licensed in all 50 states, as well as the District of Columbia, the U.S. Virgin Islands, the British Virgin Islands, Guam and Puerto Rico. Our parent company, Health Care Service Corporation, a Mutual Legal Reserve Company, is the largest non-investor owned health care insurance provider in the United States and the fourth largest overall. For more information, please visit


David Burghard
Director, Corporate Communications
(630) 824-6309