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Take the opportunity to choose your health, life, and dental insurance.

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What do dental plans cover?

Dental coverage can include a range of benefits to cover the dental care needs that matter most to you. Explore the following to learn about typical care that may be covered by a dental plan.

Preventive care 

Preventive care is often covered with no deductible or waiting period.

This most often includes:

  • Routine cleanings for all covered persons
  • Fluoride treatments for those under the age of 16 on the plan

Basic services 

This often includes simple fillings or emergency treatment for dental pain, subject to deductible and coinsurance.

Major services

This can include retainers and root canals. These are often subject to the plan’s deductible, coinsurance, and waiting periods.

Access to a wide dental network

Choose from a variety of dental providers. This often includes dental offices in both private and retail settings.

Direct payment to in-network dentists

Easy-to-manage payments. No need to submit claim forms.

No age limits 

There are coverage options available for every member of your family and every stage of life.

If you are on Medicare (which doesn’t include dental benefits), we have plans designed specifically for seniors.

What do vision plans cover?

Vision coverage can include a range of benefits to cover the vision care needs that matter to you most. Discover and learn about normal care that may be covered in a vision plan.

Eye Exam

Once per Policy Year
We Pay:
Network: 100% (no copay)
Non-Network: $50 allowance (member submits claim for reimbursement)

Frames

We pay up to a $150 allowance
Non-Network: We pay up to a $75 allowance

Prescription Lenses

You pay: $10 copay for single vision, bifocal lined, or trifocal lined lenses.
We pay: 100% after copay for single vision, bifocal lined, or trifocal lined lenses.

Contacts

Once per Policy Year, up to a 12-month supply, including fitting, evaluation, and Medically Necessary
Network: We pay up to a $150 allowance

Frequently Asked Questions

What is a deductible?

A deductible is an amount of money that needs to be met in costs before a insurance plan starts to cover certain items within a insurance plan.

What is coinsurance?

Coinsurance is the amount of the bill you will be responsible for when it comes to paying medical expenses.

Can I use the plan for my dentist?

Yes you can, this is a PPO network and many dentist and vision doctors are within the network unlike a HMO, a PPO gives you more flexibility when choosing your doctors.

How soon can insurance coverage begin?

Coverage can start as early as 24 hours. Once you have chosen an effective date and made your first payment along with receiving your policy number you can go visit a dentist immediately.

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