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Your Dental Benefits

Pfizer offers two dental options to keep you and your family smiling — Comprehensive Dental and Enhanced Dental. Both are administered by Delta Dental of New York and include access to a national network of providers.

View the 2024 monthly dental contributions.

Find a Network Provider

Visit deltadentalins.com/pfizer to locate in-network providers near you; search using both the Delta Dental PPO™ and Delta Dental Premier® networks.

Dental Benefits Comparison Chart

Benefit Provision
Comprehensive Dental
Comprehensive Dental
Enhanced Dental
Enhanced Dental
In-Network1
Out-of-Network
In-Network1
Out-of-Network
Deductible
(non-preventive services)
N/A
N/A
N/A
$50 per person
Preventive Care
Plan pays 100%
Plan pays 100% of R&C2 amount
Plan pays 100%
Plan pays 100% of R&C2 amount
Preventive Care
Two covered cleanings and exams per year
Two covered cleanings and exams per year
Three covered cleanings and exams per year
Three covered cleanings and exams per year
Basic (e.g., fillings)
Plan pays 80%; you pay 20%
Plan pays 80% of R&C2 amount; you pay 20%
Plan pays 100%
After deductible, Plan pays 80% of R&C2 amount; you pay 20%
Major (e.g., crowns)
Plan pays 50%; you pay 50%
Plan pays 50% of R&C2 amount; you pay 50%
Plan pays 60%; you pay 40%
After deductible, Plan pays 50% of R&C2 amount; you pay 50%
Orthodontia
(lifetime maximum per individual)
Plan pays 50% ($2,000 lifetime maximum)3; you pay 50%
Plan pays 50% of R&C2 amount ($2,000 lifetime maximum)3; you pay 50%
Plan pays 50% ($2,500 lifetime maximum)3; you pay 50%
After deductible, Plan pays 50% of R&C2 amount ($2,000 lifetime maximum); you pay 50%
Annual Benefit Maximum (per individual)4
$2,000
$2,000
$4,000
$2,000

1 In-network applies to both the Delta Dental PPO™ and Premier® networks.

2 Reasonable and Customary (R&C) amounts are based on the prevailing usual, actual, and community average charge as determined by Delta Dental. You’re responsible for paying the difference between what the provider charges and the R&C amount. This is in addition to your coinsurance and any amounts above the annual benefit maximum, if applicable.

3 If you satisfy the $2,000 orthodontia lifetime maximum under the Comprehensive Dental option and then enroll in the Enhanced Dental option, you will not be eligible for the additional $500 lifetime maximum.

4 Amounts accumulated cross apply for both in-network and out-of-network benefits up to $2,000; under the Enhanced option, an additional $2,000 of in-network benefits is available toward the Annual Benefit Maximum.

Things to Consider When Choosing Your Dental Option

Estimate costs before you receive care.

Delta Dental’s Cost Estimator provides personalized cost estimates for dental services based on your coverage and allows you to compare costs across network dentists. You’ll need to log in to access this tool.

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Option
Yourself Only
You and Your Spouse/Partner
You and Your Child(ren)
You and Your Family
Comprehensive Dental
$23
(monthly)
$45
(monthly)
$43
(monthly)
$76
(monthly)
Enhanced Dental
$34
(monthly)
$68
(monthly)
$64
(monthly)
$114
(monthly)

Deductible

Amount you pay for non-preventive covered services before your plan begins to pay.

Lifetime Maximum

A lifetime maximum is the maximum amount of money a company agrees to pay for covered services during an individual’s lifetime. Amounts accumulated toward any lifetime maximums under the plan are carried over from year to year, regardless of whether you change coverage options during Annual Enrollment.

Annual Benefit Maximum

The annual benefit maximum is the most the Pfizer dental plan will pay in a calendar year for each covered individual and applies to all covered services, except orthodontia, which has a separate lifetime maximum. Also, amounts accumulated toward the orthodontia lifetime maximum are carried over from year to year, regardless of whether you change coverage options during Annual Enrollment.

Consider these when choosing your dental option:

  • Dental Services You’re Planning: If you know the dental services you and/or your family need next year (e.g., major services, orthodontia), talk with your in-network provider about the costs for those services. If the provider’s fees exceed the annual benefit maximum under the Comprehensive Dental option, determine if it’s better to enroll in the Enhanced Dental option with its higher in-network annual benefit maximum.
  • Dental Contributions & Preventive Services: Consider the contribution amounts you pay for each option and the preventive services the you will need (i.e., the number of annual preventive exams and/or cleanings) as they are different for each option. Comprehensive Dental covers two cleanings and/or exams with lower contributions. Enhanced Dental covers three cleanings and/or exams with higher contributions.
  • Out-of-Network Dental Coverage: If you will be using out-of-network dental providers, you may want to consider the Comprehensive Dental option since it offers the same level of coverage for out-of-network services as the Enhanced Dental option without the $50 out-of-network deductible.
  • Use Delta Dental’s Cost Estimator. It provides personalized cost estimates for dental services based on your coverage and allows you to compare costs across network dentists. You’ll need to log in to access this tool.

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