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Questions and Answers about T-Mobile Dental benefits

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The dental plan is fair. It’s not unique to T-Mobile. Most companies with over 1000 employees will offer a similar plan. Usually the plan is 80/20 for in-network care. Preventative care is covered 100% with limitations. On a side note, their HRA(Health Reimbursement Account) Healthcare Plan does NOT reimburse for dental care. The HSA Plan will. The difference between HRA and HSA can be simplified by this: HRA is where your employer gives you money to pay for medical expenses in T-Mobile’s case it is $700 that can roll over. Expenses are more strict in a HRA. HSA is your contributions, pre-tax, to account to cover medical, dental, and vision expenses with far less restrictions. You lose an HRA if you separate from the company. You keep HSA if you separate from the company.
Answered January 6, 2021
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