2026 Dental

nbkc bank offers dental benefits through Delta Dental. The chart below provides a high-level look at the amounts you pay when visiting in-network providers. Please refer to full plan descriptions for greater detail.

Type of Service	In-Network
Deductible (Waived for Preventive)	$50 individual / $150 family
Diagnostic & Preventive Services * Oral Exams/Cleanings * Sealants * Fluoride Treatment * X-Rays	100%
Basic Services * Fillings, Including Composites * Extractions * Perio and Endodontics	80%
Major Services * Bridges * Crowns * Dentures	50%
Orthodontia * Adult & Children	50%
Maximum Benefits * Annual Calendar Year * Lifetime Orthodontia Maximum	$1,500 $1,500

Monthly Employee Cost
Employee Only	$10.00
Employee + Spouse	$37.80
Employee + Child(ren)	$40.90
Family	$89.30

Payment for orthodontia is not included in the $1,500 annual maximum. It is subject to a separate $1,500 lifetime orthodontia maximum.

DELTA DENTAL’S MAXROLLOVER

Delta Dental’s MAXRollover allows you to roll over a portion of your unused annual benefit maximum to the following year, allowing you to stretch your benefits further. Every participant – enrolled employees and dependents – individually qualifies for the program. Each participant has the potential to roll over and accumulate more funds as the years progress, up to the applicable rollover account limit.

Program Eligibility

To be eligible for the MAXRollover program, participants must meet all of the following requirements:

The participant must be enrolled for at least the last three months of the beneﬁt period without a break in coverage.
At least one qualiﬁed claim1 must be submitted within the beneﬁt period.
Qualiﬁed claims paid within the beneﬁt period must not exceed the payment threshold.