Dental
Take a proactive approach to your oral health to support your overall health.
In partnership with Sun Life, CF Industries also offers dental coverage to its employees and their families.
Credit Options
Similar to medical coverage, credits are an allowance for dental spending each year. If necessary, you can choose a different Flex Credit allowance for your dental coverage versus your medical coverage. Please see the Medical page for comparison costs of each option. Excess Flex Credits given under your dental coverage can also be taken as taxable cash through a bi-weekly payroll credit, and/or deposited into a Health Spending Account (HSA).
Annual Costs for Dental Coverage
| If You Choose | Cost | Flex Credits | Difference |
|---|---|---|---|
| Option 1 | |||
| Single | $437 | $862 | $425 excess credits |
| Employee + 1 | $728 | $1,153 | $425 excess credits |
| Family | $1,232 | $1,657 | $425 excess credits |
| Option 2 | |||
| Single | $878 | $878 | $0 |
| Employee + 1 | $1,462 | $1,462 | $0 |
| Family | $2,475 | $2,475 | $0 |
Opt-Out of Coverage Credits
If you are covered under your spouse’s employer coverage for dental care or under your own private dental plan, you may opt-out of CF Industries’ dental coverage. If you choose to opt-out of both your medical and dental coverage, you will receive Opt-Out Credits which serve the same function as Excess Flex Credits. Employees will receive $750 in Opt-Out Credits for medical coverage, and $688 for dental coverage. Opting-out of dental coverage does not require proof of other coverage.
Dental Options
Sun Life provides two options for dental coverage through your employment:
| Benefits | Option One Coverage | Option Two Coverage |
|---|---|---|
| Basic and Preventive treatments (e.g., cleanings, fluoride, x-rays, fillings, extractions) Recall exams include two units of scaling | 100% Check-ups every nine months for adults, six months for children |
100% Check-ups every six months |
| Endodontic and periodontic treatments (e.g., root canals, treatments for gum disease) | 70% | 90% |
| Major restorative procedures (e.g., bridgework, crowns, inlays and onlays) | 50% | 60% |
| Combined maximum for above benefits per year | $1,500 | $2,000 |
| Orthodontia | Not covered | 50% coinsurance up to $2,000 lifetime maximum Adults and children |