Dental, Vision and Hearing

Affordable protection

This valuable dental, vision and hearing insurance coverage can help you and your family smile bigger and brighter, protect healthy vision to see clearer and hear the world just that much better. When you choose our insurance coverage, you have our unwavering commitment to be there when you need us most.

Plan Features

Guaranteed acceptance — there are no health questions
Guaranteed renewal — as long as your premiums are paid on time
Issue ages 18-89
For individuals and families (covers children under 18)
Choose $1,000, $1,500 or $2,000 maximum benefit per policy year that covers dental, vision and hearing per person
Plan deductible = $100 per policy year per person
Benefits paid directly to you or a provider that you designate
Benefits paid in addition to any other health care coverage
30-day free look — return your policy for any reason within 30 days for a full refund of all premiums paid
Freedom to choose any provider

Freedom to Choose Any Provider

With our dental, vision and hearing insurance plans, you have the freedom to choose any provider and still enjoy your benefits. By selecting an in-network provider, you will enjoy the greatest savings.

Selecting an in-network provider for your dental, vision and hearing care has many advantages. The providers who participate in our network have agreed to offer services at a negotiated rate, which means you'll pay a discounted rate at the time of service. The examples below illustrate the savings of an in-network dentist for dental treatment.

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Dental Savings Example

In-Network

Joanne has had her policy for 13 months and has selected an in-network dentist for her dental work. Her dental provider agreed to a discounted rate for services as an in-network dentist, which means she paid $647.40 for her dental treatment (including $100 deductible).

Service	Billed**	In-Network Discount	Allowed***	Paid %	Plan Pays	Deductible	Patient Pays*
Filling	$250.00	$152.00	$98.00	70%	$68.60	$0.00	$29.40
Crown*	$1,200.00	$487.00	$713.00	60%	$367.80	$100.00	$345.20
Root Canal	$800.00	$118.00	$682.00	60%	$409.20	$0.00	$272.80
TOTAL	$2,250.00	$757.00	$1,493.00		$845.60	$100.00	$647.40

*Including $100 deductible as outlined in your policy.
**Billed amounts are based on actual claims and will vary by dentist.
*** The In-Network Allowed amount is based on the Maximum Care PPO CI-5 fee schedule and will vary by area.

Out-of-Network

Joanne has had her policy for 13 months and has selected an out-of-network dentist for her dental work. She paid $1,404.40 (including $100 deductible) for her dental treatment.

Service	Billed**	Allowed***	Paid %	Plan Pays	Deductible	Patient Pays*
Filling	$250.00	$98.00	70%	$68.60	$0.00	$181.40
Crown*	$1,200.00	$713.00	60%	$367.80	$100.00	$832.20
Root Canal	$800.00	$682.00	60%	$409.20	$0.00	$390.80
TOTAL	$2,250.00	$1,493.00		$845.60	$100.00	$1,404.40

*Including $100 deductible as outlined in your policy.
**Billed amounts are based on actual claims and will vary by dentist.
*** The Out-of-Network Allowed amount is based on the Maximum Care PPO CI-5 fee schedule and will vary by area.