Dental, Vision and Hearing Plus

Affordable with a wide range of options

Dental, Vision and Hearing Plus insurance covers expenses such as routine exams, fillings, eyeglasses and hearing aids, so you don't have to. The "Plus" plan covers a wide range of services including orthodontics and implants.

This insurance supplements and complements other health insurance plans. It can help reduce or even eliminate your out-of-pocket costs for preventive care for your teeth, eyes and ears.

This type of insurance is sometimes overlooked until what was might have been routine maintenance becomes an urgent issue. Preventive care can lead to early detection of other diseases and health problems such as cancer and diabetes.

Plus 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, couples and families (covers children under 18)
Choose $1,000 to $5,000 in $500 increments maximum benefit per policy year that covers dental, vision and hearing per person
Plan deductible = $100 per policy year per person
Freedom to choose both in or out of network providers
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
Orthodontics coverage
- 12 month waiting period
- Plan pays: years 2+= 50%
- $1,500 lifetime maximum
- Clear aligners ($750 lifetime maximum)

Freedom to Choose Any Provider

With our dental, vision and hearing plus insurance plan, 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 $767.10 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	80%	$78.40	$0.00	$19.60
Crown*	$1,200.00	$487.00	$713.00	50%	$306.50	$100.00	$406.50
Root Canal	$800.00	$118.00	$682.00	50%	$341.00	$0.00	$341.00
TOTAL	$2,250.00	$757.00	$1,493.00		$725.90	$100.00	$767.10

*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 $1,350.00 (including $100 deductible) for her dental treatment. Her plan also has a $1000 annual maximum benefit.

Service	Billed**	Allowed***	Paid %	Plan Pays	Deductible	Patient Pays*
Filling	$250.00	$62.50	80%	$50.00	$0.00	$200.00
Crown*	$1,200.00	$1,150.00	50%	$525.00	$100.00	$675.00
Root Canal	$800.00	$650.00	50%	$325.00	$0.00	$475.00
TOTAL	$2,250.00	$1,862.50		$900.00	$100.00	$1,350.00

*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 80th percentile of Fair Health Data or the office submitted fee, whichever is less.