Mosaic offers dental coverage through Guardian (and Cigna, for Carlsbad, NM only), designed to help you maintain healthy teeth and gums through regular preventive care and to fix any dental problems that may arise.

2024 dental plans

Basic Plan

provides solid coverage for basic dental hygiene and necessary procedures

Comprehensive Plan

provides added coverage for major dental procedures, including orthodontia

Key features included with both plans

In-network preventive and diagnostic care covered at 100%

Basic services, such as fillings, covered at 80% (you pay 20%)

Affordable coverage that helps you manage the cost of dental treatment

Wide network of providers that have agreed to negotiated rates, which helps you save money

Rollover of unused claims dollars for use in future years (Guardian only)

Find a network dentist

You’ll generally pay less when you use an in-network dentist. Visit your provider's website - Guardian or Cigna (Carlsbad, NM only) - to find an in-network provider near you. You can select providers in the DPPO network.


Coverage Details

  Basic Plan Comprehensive Plan
Annual deductible $0 $0
Annual benefit maximum $1,500 per person $1,500 per person
Preventive services (cleanings and X-rays) You pay $0 You pay $0
Basic restorative services (fillings, root canals, oral surgery) You pay 20%, plan pays 80% You pay 20%, plan pays 80%
Major restorative services (crowns, dentures, bridges) Not covered You pay 50%, plan pays 50%
Orthodontia Not covered You pay 50%, plan pays 50% (capped at $2,000 per person per lifetime)
TMJ appliances Not covered You pay 50%, plan pays 50% (capped at $500 per person per lifetime)
Rollover paid claims threshold* $700 $700
Rollover amount* $500 $500
Maximum Rollover Account limit* $1,250 $1,250
To see your premiums, go to My HR Portal.

*Guardian only

Use Your Dental Benefits Wisely

Here’s how to make the most of your dental benefits:

Choose a provider

Using a participating dentist in your provider's network will ensure you receive the highest benefits from your plan. To find a provider, go to the Guardian website or the Cigna website (Carlsbad, NM only). Choose a provider from the DPPO network for the best rate.

If your service will exceed $300, request a pretreatment estimate.

You should always submit a request for a pretreatment estimate for procedures and services your dentist believes will exceed $300 (procedures such as crowns, inlays, bridges, and periodontics). For more information, visit the Guardian website or the Cigna website (Carlsbad, NM only).

Check your claim status and other information at

Guardian or through Cigna (Carlsbad, NM only). You can review Explanation of Benefits (EOB) statements, check if claims have been paid, and more.

Save Your Unused Claims Dollars for When You Need Them Most

Guardian will​ automatically roll over a portion of your unused annual maximum into your personal Maximum Rollover Account (MRA). If you reach your plan’s annual benefit maximum in future years, you can use money from your MRA. To qualify for an MRA, you must have a paid claim (not just a visit) and must not have exceeded the paid claims threshold during the benefit year. Your MRA may not exceed the MRA limit. Guardian will automatically apply your MRA balance to qualifying claims, you are not required to submit claims. You can view your annual MRA statement detailing your account and those of your dependents on the Guardian website.