2015 Group Dental Plans

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "2015 Group Dental Plans"

Transcription

1 2015 Group Dental Plans from Blue Cross of Idaho Choose coverage that fits. Form No (01-15) Policy Form Numbers: (11-09) (11-09) (09-12) (01-15)

2 DENTAL PLANS Idaho employers have a difficult job: balancing the need to manage costs while providing employees with affordable, quality dental benefits. BLUE CROSS OF IDAHO WANTS TO MAKE YOUR JOB EASIER At Blue Cross of Idaho, we are dedicated to delivering the best value in dental insurance to our customers. We offer a variety of dental plan benefits to make sure your employees receive the dental services they need with affordable coverage options. ENSURING QUALITY BY MANAGING YOUR BENEFITS Quality is important to Blue Cross of Idaho. Our customer advocates and claims staff earn high marks from our providers and their staffs. Our on-site dental consultants ensure that the dental treatments provided to our members are appropriate and costeffective. ADDING VALUE THOUGH BETTER ACCESS AND PRICES Blue Cross of Idaho has extensive dental provider networks in Idaho and nationwide giving our members choice and convenience for their dental care. The contracting dentists in our traditional and preferred provider organization (PPO) networks agree to recognize our maximum allowance as their maximum fee for eligible services. DENTAL COVERAGE WHEREVER YOU ARE Blue Cross of Idaho has joined forces with other participating Blue Cross Blue Shield plans nationwide for exclusive access to the national Dental GRID, one of the country s largest networks of dental providers, which allows our members in-network benefits nationwide. When choosing Blue Cross of Idaho for your dental and medical coverage, you get the added value and convenience of one billing contact, one account manager and one renewal all designed to help you manage your healthcare programs. 2 DENTAL PLANS from BLUE CROSS OF IDAHO Groups

3 Value-Added Benefit: Dental Maximum Carryover Dental Maximum Carryover adds value to your Blue Cross of Idaho dental benefits by encouraging your employees to take advantage of the low or no-cost routine preventive dental care cleanings and exams to improve overall oral health and by providing extra dollars for future dental services. IF YOU DON T USE IT, YOU DON T LOSE IT When your employees use $500 or less for dental claims in a benefit period, we carry over $250 to be used in the future. Carryover dollars may be used to pay for covered dental services once the benefit period maximum has been reached, saving your employees out-of-pocket expenses. Cavities aren t just for kids! Changes that occur with aging make cavities an adult problem too. Regression of the gums can expose tooth roots to plaque which leads to decay. Decay around the edges of fillings is also common in adults. Over the years, fillings weaken and can fracture and leak. Bacteria accumulate in these cracks and can cause decay. CHOOSE COVERAGE THAT FITS bcidaho.com 3

4 ACA Qualified Plans for Small Groups (2-50 employees) Our Group Dental Choice sm and Group Dental Choice Plus sm plans offer low s and low out-of-pocket maximums with no waiting periods for Basic and Major Dental Services for covered members under age 19. SMALL GROUP DENTAL PLANS (2-50 employees) GROUP DENTAL CHOICE (Under Age 19) GROUP DENTAL CHOICE (Age 19 and Over) - - dividual Deductible $50 per member, $100 per member, $50 per member, $100 per member, Annual Pocket Maximum $350 dividual/ $700 Two or more $10,000 None None Benefit Period Maximum None None $1,000 Preventive Dental Services (No waiting period) Oral Exams X-rays pays $50.. pays $25.. Cleanings Fluoride treatments Basic Dental Services Fillings Extractions.... Oral Surgery 6-month waiting period for members age 19 and over Major Dental Services Crowns, Bridges & Dentures lays/onlays Repairs to bridges & dentures.... Crown repair Dental Implants 12-month waiting period for members age 19 and over Orthodontia. 24-month waiting period for members under age 19; medically-necessary, non-cosmetic treatment. Prior authorization required. pays 80%. No Benefit No Benefit This brochure describes the general features of our dental plans. It is not a contract. All the provisions of the Policy issued to the group apply. The benefits of the Policy are governed primarily by the laws of the State of Idaho. 4 DENTAL PLANS from BLUE CROSS OF IDAHO Groups

5 Healthy employees have a direct impact on your success and good oral health contributes to overall health. SMALL GROUP DENTAL PLANS (2-50 employees) GROUP DENTAL CHOICE PLUS (Under Age 19) GROUP DENTAL CHOICE PLUS (Age 19 and Over) - - dividual Deductible $50 per member, $100 per member, $50 per member, $100 per member, Annual Pocket Maximum $350 dividual/ $700 Two or more $10,000 None None Benefit Period Maximum Preventive Dental Services (No waiting period) Oral Exams X-rays Cleanings Fluoride treatments Basic Dental Services Fillings Extractions Oral Surgery Major Dental Services Crowns, Bridges & Dentures lays/onlays Repairs to bridges & dentures Crown repair Dental Implants Orthodontia None None $1,000 pays $ month waiting period for members under age 19; medically-necessary, non-cosmetic treatment. Prior authorization required. pays $ month waiting period for members age 19 and over.. 12-month waiting period for members age 19 and over pays 80%. No Benefit No Benefit ORTHODONTIC VALUES If you are a Blue Cross of Idaho member, no matter what your plan covers, you will receive a discount of $400 off the total cost of full orthodontic treatment plans for eligible family members. All you have to do is show the Blue Extras! Orthodontic Values Provider your Blue Cross member ID card. The discount applies to any treatment plan which is initiated the orthodontist s effective date. Find the list of Orthodontic Values providers at members.bcidaho.com. Select Health & Wellness, then Discount Programs. Blue Extras! is a value-added program and not a part of your group insurance coverage. This brochure describes the general features of our dental plans. It is not a contract. All the provisions of the Policy issued to the group apply. The benefits of the Policy are governed primarily by the laws of the State of Idaho. CHOOSE COVERAGE THAT FITS bcidaho.com 5

6 PLANS FOR ALL SIZE GROUPS Dental plans are available for groups with 2+ employees, with a minimum 75% employee participation. Orthodontia is available for groups of 51+ employees. Employer must contribute at least 50% of the monthly premium rate for each enrolled employee. There is no minimum contribution requirement for dependent coverage. 6 DENTAL PLANS from BLUE CROSS OF IDAHO Groups

7 BLUE CROSS OF IDAHO GROUP DENTAL PLANS Preferred Blue Dental Preferred Blue Dental plans maximize consumer choice and flexibility while delivering reduced premiums and lower out-of-pocket expenses. That s because Preferred Blue Dental provides higher benefits when seeking dental services from our network of PPO dental providers. GROUP DENTAL PLANS PREFERRED BLUE DENTAL OPTION 1 PREFERRED BLUE DENTAL OPTION 2 PREFERRED BLUE DENTAL OPTION 3 Deductible (per person, 3 family member maximum) Benefit Period Maximum (per person) $25 or $50 $25 or $50 $25 or $50 $1,000, $1,250 or $1,500 $1,000, $1,250 or $1,500 $1,000, $1,250 or $1,500 Dental Provider PPO PPO PPO Preventive Dental Services Oral Exams X-rays Cleanings Fluoride treatments pays Basic Dental Services Fillings Extractions Oral Surgery Deductible applies. Optional 6-month waiting period (except Essential Dental and Voluntary Dental) pays 30% pays 30% Major Dental Services Crowns, Bridges & Dentures lays/onlays Repairs to bridges & dentures Crown repair Dental Implants Deductible applies. Optional 12-month waiting period, except for Voluntary Dental. pays 60% pays 60% Orthodontia For Groups of 51+ employees (Lifetime Maximum of $1,000, $1,250 or $1,500) Please Note: These plans do not meet the ACA coverage requirement for those under age 19. This brochure describes the general features of our dental plans. It is not a contract. All the provisions of the Policy issued to the group apply. The benefits of the Policy are governed primarily by the laws of the State of Idaho. CHOOSE COVERAGE THAT FITS bcidaho.com 7

8 Deductible Dental Deductible Dental has the flexibility you need when providing dental benefits to your employees and their families. Preventive and diagnostic services are paid at 100 percent, basic dental services at 80 percent, and major dental services at 50 percent. A applies to basic and major dental services. centive Dental With centive Dental, your employees are rewarded for taking care of their smiles! Starting at 70 percent, benefit payments increase 10 percent each year up to 100 percent for preventive, diagnostic and basic dental services, as long as they visit a dental provider each consecutive year. For each year that a member does not receive dental services, the payable will decrease by 10 percent. Major dental services are covered at 50 percent with no. Tips for preventing cavities Eat nutritious and balanced meals and limit snacking. Check with your dentist about the use of supplemental fluoride and dental sealants (protective coating for back teeth). Visit your dentist regularly for exams and cleanings. GROUP DENTAL PLANS Deductible (per person, 3 family member maximum) Benefit Period Maximum (per person) Dental Provider Preventive Dental Services Oral Exams X-rays Cleanings Fluoride treatments Basic Dental Services Fillings Extractions Oral Surgery Deductible applies. Optional 6-month waiting period (except Essential Dental and Voluntary Dental). Major Dental Services Crowns, Bridges & Dentures lays/onlays Repairs to bridges & dentures Crown repair Dental Implants Deductible applies. Optional 12-month waiting period, except for Voluntary Dental. Orthodontia DEDUCTIBLE AND INCENTIVE DENTAL Deductible Dental centive Dental 1 $25 or $50 No Deductible pays of allowed of allowed $1,000, $1,250 or $1,500 Traditional/PPO pays 30% of allowed for 1st year; 20% for 2nd year; 10% for 3rd year; in 4th year. pays 30% of allowed for 1st year; 20% for 2nd year; 10% for 3rd year; in 4th year. No applies of allowed No applies (Lifetime Maximum of $1,000, $1,250 or $1,500) Footnotes: 1 centive Dental: must have at least one covered dental service for incentive level to increase. Please Note: These plans do not meet the ACA coverage requirement for those under age 19. This brochure describes the general features of our dental plans. It is not a contract. All the provisions of the Policy issued to the group apply. The benefits of the Policy are governed primarily by the laws of the State of Idaho. 8 DENTAL PLANS from BLUE CROSS OF IDAHO Groups

9 BLUE CROSS OF IDAHO GROUP DENTAL PLANS Essential Dental Essential Dental is our low cost dental care option, providing your employees with benefits for preventive, diagnostic and basic dental services. Major dental services are not covered, which keeps premiums lower than other dental plans. Dental Blue Connect* Dental Blue Connect offers extensive dental coverage with: No s No benefit period maximums No waiting periods No claim forms Orthodontia, with no age limit, is available for all eligible members on all Dental Blue Connect plans. All necessary dental services are covered at 100 percent applicable copayments when performed by dentists and specialists at Willamette Dental Group. GROUP DENTAL PLANS Deductible (per person, 3 family member maximum) Benefit Period Maximum (per person) Dental Provider Preventive Dental Services Oral Exams X-rays Cleanings Fluoride treatments Basic Dental Services Fillings Extractions Oral Surgery 6-month waiting period for Essential Dental ESSENTIAL DENTAL DENTAL BLUE CONNECT for Groups 51+ $25 OR $50 No Deductible pays $1,000 None PPO Benefits do not apply to Benefit Period Maximum mandatory 6 month waiting period and satisfied pays 40% mandatory 6 month waiting period and satisfied Willamette Dental Group (POS) pays applicable office visit copayments pays applicable copayments No applies Reimbursement to your employee up to $10 per date of service Reimbursement to your employee up to $10 per date of service * Available only to groups of 51+ employees when offered as a dual-option with another Blue Cross of Idaho dental plan. Major Dental Services Crowns, Bridges & Dentures lays/onlays Repairs to bridges & dentures Crown repair Dental Implants Major Dental Services are not covered pays applicable copayments No applies Reimbursement to your employee up to $10 per date of service Orthodontia Orthodontia services are not covered pays applicable copayments (adult and child. cluded in all Dental Blue Connect Plans) Please Note: These plans do not meet the ACA coverage requirement for those under age 19. This brochure describes the general features of our dental plans. It is not a contract. All the provisions of the Policy issued to the group apply. The benefits of the Policy are governed primarily by the laws of the State of Idaho. CHOOSE COVERAGE THAT FITS bcidaho.com 9

10 Voluntary Dental Voluntary Dental is a great way to provide your employees with easy access to dental care coverage. As implied by the name, the plan is entirely voluntary, meaning that your employees decide whether or not they want to participate. Voluntary Dental is available to groups with 3 or more employees. At least one employee must elect coverage. Employer contribution is optional. GROUP DENTAL PLANS Deductible (per person, 3 family member maximum) Benefit Period Maximum (per person) VOLUNTARY DENTAL PLAN A VOLUNTARY DENTAL PLAN B $25 or $50 $50 or $75 $25 or $50 $50 or $75 $1,000, $1,250 or $1,500 $1,000, $1,250 or $1,500 Dental Provider PPO PPO Preventive Dental Services Oral Exams X-rays Cleanings Fluoride treatments pays $20 copayment per visit pays 30% pays $25 copayment per visit Tips for preventing cavities Brush twice a day with a fluoride toothpaste. Clean between your teeth daily with floss or an interdental cleaner. Replace your toothbrush frequently. Bristles wear out and clean less efficiently. Basic Dental Services Fillings Extractions Oral Surgery 6-month waiting period Major Dental Services Crowns, Bridges & Dentures lays/onlays Repairs to bridges & dentures Crown repair Dental Implants 12-month waiting period Orthodontia pays 60% pays 30% pays 60% pays 70% mandatory 24 month waiting period (For groups of 51+, Lifetime Maximum $1,000, $1,250 or $1,500) Please Note: These plans do not meet the ACA coverage requirement for those under age 19. This brochure describes the general features of our dental plans. It is not a contract. All the provisions of the Policy issued to the group apply. The benefits of the Policy are governed primarily by the laws of the State of Idaho. 10 DENTAL PLANS from BLUE CROSS OF IDAHO Groups

11 BLUE CROSS OF IDAHO GROUP DENTAL PLANS EXCLUSIONS & LIMITATIONS addition to any other exclusions and limitations of the Policies, the following exclusions and limitations apply to dental services: There are no benefits for services, supplies, or other charges that are procedures that are not included in the Closed List of Dental Covered Services; or that are not Medically Necessary for the care of an sured s covered dental condition; or that do not have uniform professional endorsement. Charges incurred for services that were started prior to the sured s Effective Date. A service furnished to an sured for cosmetic purposes, unless necessitated as a result of Accidental juries received while the sured was covered by Blue Cross of Idaho. excess of the Maximum Allowance. Any procedure, service or supply required directly or indirectly to treat a muscular, neural, orthopedic or skeletal disorder, dysfunction or Disease of the temporomandibular joint (jaw hinge) and its associated structures including, but not limited to, myofascial pain dysfunction syndrome. Temporary dental services. Charges for temporary services are considered an integral part of the final dental services and are not separately payable. Any service, procedure or supply for which the prognosis for success is not reasonably favorable. For hospital patient or Outpatient care for extraction of teeth or other dental procedures. Not prescribed by or upon the direction of a Provider. vestigational in nature. Provided for any condition, Disease, Illness or Accidental jury to the extent that the sured is entitled to benefits under occupational coverage, obtained or provided by or through an employer under state or federal Workers Compensation Acts or under Employer Liability Acts or other laws providing compensation for work-related injuries or conditions. This exclusion applies whether or not the sured claims such benefits or compensation or recovers losses from a third party. Provided or paid for by any federal governmental entity or unit except when payment under this Policy is expressly required by federal law, or provided or paid for by any state or local governmental entity or unit where its charges therefor would vary, or are or would be affected by the existence of coverage under this Policy; or for which payment has been made under Medicare Part A and/or Part B. Provided for any condition, Accidental jury, Disease or Illness suffered as a result of any act of war or any war, declared or undeclared. Furnished by a Provider who is related to the sured by blood or marriage and who ordinarily dwells in the sured s household. Received from a dental, vision or medical department maintained by or on behalf of an employer, a mutual benefit association, labor union, trust or similar person or group. For personal hygiene, comfort, beautification or convenience items even if prescribed by a Dentist, including but not limited to, air conditioners, air purifiers, humidifiers, physical fitness equipment or programs. For telephone consultations; for failure to keep a scheduled visit or appointment; for completion of a claim form; or for personal mileage, transportation, food or lodging expenses, or for mileage, transportation, food or lodging expenses billed by a Dentist or other Provider. For Congenital Anomalies, or for developmental malformations, unless the patient is an Eligible Dependent child. For the treatment of injuries sustained while committing a felony, voluntarily taking part in a riot, or while engaging in an illegal act or occupation, unless such injuries are a result of a medical condition or domestic violence. Any services or supplies for which an sured would have no legal obligation to pay in the absence of coverage under this Policy or any similar coverage; or for which no charge or a different charge is usually made in the absence of insurance coverage. Provided to persons who were enrolled as Eligible Dependents they cease to qualify as Eligible Dependents due to a change in Eligibility status which occurs during the Policy term. Provided outside the United Sates, which if had been provided in the United States, would not be Covered Services under this Policy. Not directly related to the care and treatment of an actual condition, Illness, Disease or Accidental jury. CHOOSE COVERAGE THAT FITS bcidaho.com 11

12 P.O. Box 7408 Boise, ID GO CROSS ( ) bcidaho.com Meridian STREET ADDRESS 3000 E. Pine Avenue Meridian, ID MAILING ADDRESS P.O. Box 7408 Boise, ID CLAIMS INQUIRIES Coeur d Alene Idaho Falls Lewiston Pocatello Twin Falls 1450 NW Blvd., Suite 106 Coeur d Alene, ID Channing Way Idaho Falls, ID th St. Lewiston, ID S. 5th Ave., Suite 150 Pocatello, ID Blue Lakes Blvd. N. Twin Falls, ID by Blue Cross of Idaho, an independent licensee of the Blue Cross and Blue Shield Association

Statement of Understanding

Statement of Understanding Statement of Understanding By signing this application, I represent that all my answers are complete and accurate to the best of my knowledge and belief and that I understand and agree to the following

More information

2016 Dental Choice & Dental Choice Plus

2016 Dental Choice & Dental Choice Plus Form No. 3-189A (09-15) For Office Use Only Electronic System ID Signature of Agent Date (mm/dd/yy) Agent s Name Blue Cross of Idaho No. Independent Producer (Agent) Information Health information requested

More information

Dental Provider e-manual - 2014 Updates NEW DENTAL INFORMATION for 2014

Dental Provider e-manual - 2014 Updates NEW DENTAL INFORMATION for 2014 Dental Provider e-manual - 2014 Updates NEW DENTAL INFORMATION for 2014 Pediatric Oral Health Effective, January 1, 2014, the Affordable Care Act (ACA) mandate makes available Pediatric Oral Health benefits

More information

Scott & White Dental Plan Benefits

Scott & White Dental Plan Benefits Scott & White Dental Plan Benefits For the savings you need, the flexibility you want and service you can trust. Benefit Summary Select Plan Enhanced Plan Coverage Type PDP : : Coverage Type PDP : : Type

More information

Liberty Healthcare Management, Inc. Dental Plan Benefits

Liberty Healthcare Management, Inc. Dental Plan Benefits Liberty Healthcare Management, Inc. Dental Plan Benefits Network: PDP Plus Benefit Summary Coverage Type In-Network Out-of-Network Type A cleanings, oral examinations 100% of Negotiated Fee* 100% of R&C

More information

Dental and vision coverage for your total health

Dental and vision coverage for your total health Dental and vision coverage for your total health The mouth and eyes are important parts of your body, and your health. Regular dental and vision checkups can help nd early warning signs of disease. So

More information

BlueCare Dental OUTLINE OF COVERAGE. For Subscribers Age 21 and Over. Out-of-Network Dentist* Dentist. Out-of-Network Dentist.

BlueCare Dental OUTLINE OF COVERAGE. For Subscribers Age 21 and Over. Out-of-Network Dentist* Dentist. Out-of-Network Dentist. BlueCare Dental OUTLINE OF COVERAGE Read your Contract carefully This outline coverage provides only a very brief description the important features your Contract. This is not the Contract, and only the

More information

Dental Outline of Coverage

Dental Outline of Coverage Dental Outline of Coverage Blue Cross and Blue Shield of Texas (herein called (BCBSTX, We, Us, Our) Dental Indemnity Insurance Contract REQUIRED OUTLINE OF COVERAGE A. Read Your Contract Carefully. This

More information

BlueCare Dental SM 1B OUTLINE OF COVERAGE

BlueCare Dental SM 1B OUTLINE OF COVERAGE BlueCare Dental SM 1B OUTLINE OF COVERAGE Read your Contract carefully This outline coverage provides only a very brief description the important features your Contract. This is not the Contract, and only

More information

Quality, affordable dental insurance

Quality, affordable dental insurance Quality, affordable dental insurance Group association dental insurance under the Madison Dental plans is underwritten by Madison National Life Insurance Company, Inc. in all states except New Hampshire

More information

dental plan For Students 2015-2016 Ameritas Life Insurance Corp. of New York

dental plan For Students 2015-2016 Ameritas Life Insurance Corp. of New York dental plan For Students 2015-2016 Cornell University students and dependents may enroll in an optional dental insurance plan that has been tailored to fit their needs. This plan, offered through Ameritas

More information

Dental Plan General Information

Dental Plan General Information Dental Plan General Information CSU offers two dental plans for employees to choose from: Delta Dental Basic and Delta Dental Plus. Both plans are self-insured and administered, including claims processing,

More information

A Dental plan for better health. DentalOne. Regence BlueShield. is an Independent Licensee of the Blue Cross and Blue Shield Association

A Dental plan for better health. DentalOne. Regence BlueShield. is an Independent Licensee of the Blue Cross and Blue Shield Association DentalOne A Dental plan for better health Regence BlueShield is an Independent Licensee of the Blue Cross and Blue Shield Association Good health isn t complete without good dental care. That s where DentalOne

More information

2016 Group Dental Member Handbook. For active employees and retirees BENEFITS. State of Tennessee

2016 Group Dental Member Handbook. For active employees and retirees BENEFITS. State of Tennessee 2016 Group Dental Member Handbook For active employees and retirees BENEFITS State of Tennessee Revised on 4/19/2016 Welcome! Why is having a good Dental plan so important? Because a healthier smile can

More information

Rochester Regional Health. Dental Plan

Rochester Regional Health. Dental Plan Rochester Regional Health Dental Plan TABLE OF CONTENTS EXPLANATION OF TERMS... 2 INTRODUCTION... 4 DENTAL BENEFITS... 5 DEDUCTIBLES AND COINSURANCE... 7 PRE-TREATMENT ESTIMATES... 8 LIMITATIONS... 8

More information

Performance Plus Dental Plan. Annual Deductible. Dental Benefit Maximums. Prior Authorization. Verification of Coverage. Eligible Dental Expenses

Performance Plus Dental Plan. Annual Deductible. Dental Benefit Maximums. Prior Authorization. Verification of Coverage. Eligible Dental Expenses Performance Plus Dental Plan The Trust provides a Dental Plan for Participants the Performance Plus Dental Plan. In-Network Services are available from dentists contracted on behalf of the Trust. Out-of-Network

More information

Delta Dental Individual and Family Dental Plans. EHB Certified DELTA DENTAL OF NORTH CAROLINA

Delta Dental Individual and Family Dental Plans. EHB Certified DELTA DENTAL OF NORTH CAROLINA Delta Dental Individual and Family Dental Plans EHB Certified DELTA DENTAL OF NORTH CAROLINA You ll benefit from: Freedom Enjoy access to two Delta Dental networks Delta Dental PPO and Delta Dental Premier.

More information

Real Choices Dental, Life and Short Term Disability Insurance. Ancillary Coverages for Small Employer Groups

Real Choices Dental, Life and Short Term Disability Insurance. Ancillary Coverages for Small Employer Groups Real Choices Dental, Life and Short Term Disability Insurance Ancillary Coverages for Small Employer Groups Real Choices from Assurant Health Dental, Life and Disability Coverage It s no secret that employee

More information

Right Product, Right Service, Right Enrollment

Right Product, Right Service, Right Enrollment Right Product, Right Service, Right Enrollment Dental Insurance Member Dental & Vision Benefits Automotive Service Association Vision Insurance As a member of the Automotive Service Association, we wish

More information

Tribal 2016 Health. Blue Cross of Idaho. Choose that coverage fits. Choose coverage. that fits. Individuals from 3-074P (10-10) 3-075P (10-10)

Tribal 2016 Health. Blue Cross of Idaho. Choose that coverage fits. Choose coverage. that fits. Individuals from 3-074P (10-10) 3-075P (10-10) Tribal 2016 Health Insurance Silver Plans Plans for for Individuals Individuals from from Blue Cross of Idaho Choose coverage Choose that coverage fits. that fits. Form No. 3-1031 (10-15) Policy Form Numbers:

More information

Quality, affordable dental insurance

Quality, affordable dental insurance Quality, affordable dental insurance Group association dental insurance under the IHC Dental plans is underwritten by Madison National Life Insurance Company, Inc. For residents of Texas. Your oral health

More information

P. O. Box 3283 Tulsa, OK For Subscribers Age 21 and Over

P. O. Box 3283 Tulsa, OK For Subscribers Age 21 and Over P. O. Box 3283 Tulsa, OK 74102-3283 BLUECARE DENTAL 1A OUTLINE OF COVERAGE Read your Contract carefully This outline coverage provides only a very brief description the important features your Contract.

More information

OPTION #2 COMPANION LIFE DENTAL INSURANCE PLAN SELECT ANY DENTIST

OPTION #2 COMPANION LIFE DENTAL INSURANCE PLAN SELECT ANY DENTIST OPTION #2 COMPANION LIFE DENTAL INSURANCE PLAN SELECT ANY DENTIST A Dental Plan for Groups of Three or More Covered Services Description SELECT ANY DENTIST Preventive, Basic, and Major services are subject

More information

Choice, Service, Savings. To help you enroll, the following pages outline your company's dental plan and address any questions you may have.

Choice, Service, Savings. To help you enroll, the following pages outline your company's dental plan and address any questions you may have. Plan Design for: Unitarian Universalist Association of Congregations Effective Date: October 01, 2002 Amendment Effective Date ± : January 01, 2013 Date Prepared: January 01, 2015 Choice, Service, Savings.

More information

Quality, affordable dental insurance

Quality, affordable dental insurance Quality, affordable dental insurance Group association dental insurance under the IHC Dental plans is underwritten by Madison National Life Insurance Company, Inc. in all states except Maine, New Hampshire

More information

Good news about dental benefits for employees of NORTHWEST FLORIDA STATE COLLEGE

Good news about dental benefits for employees of NORTHWEST FLORIDA STATE COLLEGE Voluntary Dental PPO (BASIC PLAN) Good news about dental benefits for employees of Your Dental Plan As a valued employee of, you have the opportunity to enroll in a payroll-deduction dental program. Plan

More information

Senior Select medical and dental plans

Senior Select medical and dental plans 5 Supplemental coverage for Medicare members Senior Select medical and dental plans www.odscompanies.com Available January 1 through December 31, 2012 Welcome to ODS SeniorSelect. At ODS, we have a long

More information

Real Choices. Dental, Life and Short Term Disability Insurance Ancillary Coverages for Small Employer Groups TEXAS

Real Choices. Dental, Life and Short Term Disability Insurance Ancillary Coverages for Small Employer Groups TEXAS Real Choices Dental, Life and Short Term Disability Insurance Ancillary Coverages for Small Employer Groups TEXAS Time Insurance Company John Alden Life Insurance Company Assurant Health is the brand name

More information

IMPORTANT CARRIER INFORMATION

IMPORTANT CARRIER INFORMATION Anchorage School District Dental Plan Benefits Network: PDP Plus Benefit Summary Coverage Type In-Network Out-of-Network Type A cleanings, oral examinations 100% of Negotiated Fee* 100% of R&C Fee** Type

More information

DentalEssentials. Dental insurance for individuals and families

DentalEssentials. Dental insurance for individuals and families DentalEssentials Dental insurance for individuals and families Regular dental care is an important part of an overall healthy lifestyle Unfortunately, the cost of dental treatment, coupled with the lack

More information

Mills College Student Health Plan - Dental Plan Benefits

Mills College Student Health Plan - Dental Plan Benefits Mills College Student Health Plan - Dental Plan Benefits Network: PDP Plus Benefit Summary Coverage Type In-Network Out-of-Network Type A cleanings, oral examinations 100% of Negotiated Fee* 80% of R&C

More information

Low Plan. High Plan Coverage Type

Low Plan. High Plan Coverage Type Dental Benefits Savings, flexibility and service. For healthier smiles. Overview of Benefits for: Earlham College With all of the emphasis on healthy living, it may be refreshing to know you have access

More information

Dental plans to smile about

Dental plans to smile about Dental plans to smile about Individuals and families Plans available Jan. 1, 2015, through Dec. 31, 2015 Alaska 4 Together, we can find a way to better health. Dental plans Dental coverage for your total

More information

Take control of your total health with the right vision and dental coverage

Take control of your total health with the right vision and dental coverage Take control of your total health with the right vision and dental coverage The mouth and eyes are important parts of your body and your health. Regular dental and vision checkups can help find early warning

More information

Individual Dental Insurance

Individual Dental Insurance Individual Dental Insurance From Delta Dental of Wisconsin Be your own individual with dental plans from the most trusted name in dental benefits. Plan designs and rates subject to change without notice.

More information

Dental Benefits. How Dental Benefits Work. Schedule of Benefits

Dental Benefits. How Dental Benefits Work. Schedule of Benefits Dental coverage under Stryker s healthcare plan helps pay dental bills for you and your family. It is designed to encourage good dental care. The plan covers preventive dental services and treatment for

More information

In-Network % of PDP Fee. Applies to Type B & C services only

In-Network % of PDP Fee. Applies to Type B & C services only Dental Benefits Savings, flexibility and service. For healthier smiles. Overview of Benefits for: WMBE Payrolling Inc Original Plan Effective Date: 07/01/2013 With all of the emphasis on healthy living,

More information

The University of Alabama at Birmingham Dental Plan Benefits

The University of Alabama at Birmingham Dental Plan Benefits The University of Alabama at Birmingham Dental Plan Benefits Network: PDP Plus Benefit Summary Basic Plan Plan Option 1 Benefit Summary Coverage Type In-Network Out-of-Network Type A cleanings, oral examinations

More information

Premera DentalBlueTM FOR ALASKA GROUPS WITH 2+ EMPLOYEES

Premera DentalBlueTM FOR ALASKA GROUPS WITH 2+ EMPLOYEES Premera DentalBlueTM FOR ALASKA GROUPS WITH 2+ EMPLOYEES January 2016 Dental product options for a more attractive benefits package Premera Blue Cross Blue Shield of Alaska dental plans offer the choice

More information

dental plans and term life insurance coverage

dental plans and term life insurance coverage dental plans and term life insurance coverage Dental coverage Complete your Blue Shield health coverage with an affordable dental plan. Did you know that more than 90% of all common diseases have oral

More information

A Group Dental For: Florida State University Student Dental Plan

A Group Dental For: Florida State University Student Dental Plan A Group Dental For: Florida State University Student Dental Plan Coverage Effective Date: January 1, 2014 BlueDental Plans BlueDental SM plans are offered by Florida Combined Life Insurance Company, Inc.

More information

Olentangy Local School District Dental Plan Benefits

Olentangy Local School District Dental Plan Benefits Olentangy Local School District Dental Plan Benefits For the savings you need, the flexibility you want and service you can trust. Benefit Summary Coverage Type PDP In-Network Out-of-Network Type A cleanings,

More information

WMI Mutual Insurance Company

WMI Mutual Insurance Company Dental Policy WMI Mutual Insurance Company PO Box 572450 Salt Lake City, UT 84157 (801) 263-8000 & (800) 748-5340 Fax: (801) 263-1247 DENTAL POLICY A. Schedule of Benefits: Annual Maximum Dental Benefit

More information

Dental plans to smile about

Dental plans to smile about Dental plans to smile about Individuals and families Plans available Jan. 1, 2015, through Dec. 31, 2015 Oregon Hello. Welcome to Moda Health and ODS, the place you go for great dental care because good

More information

dental and term life insurance coverage

dental and term life insurance coverage dental and term life insurance coverage Dental coverage Complete your Blue Shield health coverage with an affordable dental plan. Because dental health is an important part of your total wellness, we offer

More information

Arkansas State Employees Association & MetLife

Arkansas State Employees Association & MetLife Arkansas State Employees Association & MetLife Are Pleased to Offer Dental Benefits to Participating Members To enroll, please complete and return the enrollment form to ASEA in the enclosed return envelope.

More information

Your Dentist says you need a Crown, a Type C Service** Dentist s Usual Fee: $600.00 - R&C Fee: $500.00 - PDP Fee: $375.00

Your Dentist says you need a Crown, a Type C Service** Dentist s Usual Fee: $600.00 - R&C Fee: $500.00 - PDP Fee: $375.00 To help you enroll, the following pages outline your company s dental plan 1 and address any questions you may have. Coverage Type In-Network 2 Out-of-Network 2 Type A - Preventive 100% of PDP Fee 3 80%

More information

2014 Evidence of Coverage Optional Supplemental Benefits Attachment Coventry Medicare Advantage Dental Plan (HMO)

2014 Evidence of Coverage Optional Supplemental Benefits Attachment Coventry Medicare Advantage Dental Plan (HMO) 2014 Evidence of Coverage Optional Supplemental Benefits Attachment OPTIONAL SUPPLEMENTAL BENEFITS YOU CAN BUY As explained in Chapter 4, Section 2.2 of this Evidence of Coverage, our plan offers some

More information

Employ Benefits 2015

Employ Benefits 2015 Employ Benefits 2015 Employ Benefits As a health care organization, we understand the importance of personal wellness. In fact, the richness and diversity of our benefits helped us become Modern Healthcare

More information

SmileNet SM Dental Discount Program

SmileNet SM Dental Discount Program SmileNet SM Dental Discount Program We want to catch you smiling. for Individuals and Families SpecialOffers This program is provided by Anthem Blue Cross Life and Health Insurance Company as a service

More information

Deseret Dental. Your Deseret Dental Handbook... DENTAL INSURANCE. Deseret Dental Table of Contents. Keys to making the most of your coverage:

Deseret Dental. Your Deseret Dental Handbook... DENTAL INSURANCE. Deseret Dental Table of Contents. Keys to making the most of your coverage: Your Deseret Dental Handbook... Your total health is important to us, including your dental health. And Deseret Dental provides valuable protection. That should give you something to smile about! Keys

More information

Employee Benefits Summary. Plan Year 2014/15

Employee Benefits Summary. Plan Year 2014/15 Employee Benefits Summary Plan Year 2014/15 WELCOME -3- Mount Ida College offers a competitive benefits package to all eligible faculty and staff. The following is a summary of the benefit plans offered.

More information

Dental Plans YOUR GUARDIAN PLAN OFFERS:

Dental Plans YOUR GUARDIAN PLAN OFFERS: Dental Plans Option 1 or 2: With your High Plan or Low Plan plan, you can visit any dentist; but you pay less out-of-pocket when you choose a PPO dentist. COMPARE THE PLANS Option 1: High Plan Option 2:

More information

Delta Dental Individual and Family

Delta Dental Individual and Family Delta Dental Individual and Family for the Arkansas Retired Teachers Association DENTAL AND VISION PLANS AT A PRICE THAT WILL MAKE YOU SMILE. WHY DENTAL INSURANCE? To improve your health People with dental

More information

Your Preferred Dental Organization Member Handbook Dentist Directory

Your Preferred Dental Organization Member Handbook Dentist Directory Your Preferred Dental Organization Member Handbook Dentist Directory & FOR Delta Dental of Tennessee provides benefits that are easy to use. See inside for details on how your dental plan can help protect

More information

HumanaOne. Optional benefits. Add extra benefits to your medical plan

HumanaOne. Optional benefits. Add extra benefits to your medical plan HumanaOne Optional benefits Add extra benefits to your medical plan Dental Protect your healthy smile with affordable, easy-to-use optional dental benefits from one of the nation s largest dental insurers.

More information

2016 Dental Direct Plans Blue Cross Dental

2016 Dental Direct Plans Blue Cross Dental 2016 Dental Direct Plans Blue Cross Dental 1 Relax we can help you choose the dental plan that s right for you. First, we want to say thanks for considering Blue Cross Dental Direct! For more than 35 years,

More information

Guide to Dental Insurance

Guide to Dental Insurance Guide to Dental Insurance www.ahip.org This guide is designed to give consumers a general introduction to dental insurance. It is not a comprehensive description of dental insurance and its features. For

More information

An Overview of Your Dental Benefits

An Overview of Your Dental Benefits An Overview of Your Dental Benefits Educators Health Alliance ii \ DENTAL BENEFITS PPO Dental Plan Options OPTION 1 Maintenance Dentistry OPTION 2 (STANDARD PLAN) IN-NETWORK OUT-OF-NETWORK Maintenance

More information

Small Business Solutions

Small Business Solutions Small Business Solutions Dental Benefits and Insurance Plan Options Florida Dental benefits plans and dental insurance plans are offered, underwritten or administered by Aetna Life Insurance Company (Aetna).

More information

2014 Evidence of Coverage Optional Supplemental Benefits Attachment Coventry Medicare Advantage Dental Plan (PPO)

2014 Evidence of Coverage Optional Supplemental Benefits Attachment Coventry Medicare Advantage Dental Plan (PPO) 2014 Evidence of Coverage Optional Supplemental Benefits Attachment OPTIONAL SUPPLEMENTAL BENEFITS YOU CAN BUY As explained in Chapter 4, Section 2.2 of this Evidence of Coverage, our plan offers some

More information

DENTAL FOR EVERYONE SUMMARY OF BENEFITS, LIMITATIONS AND EXCLUSIONS

DENTAL FOR EVERYONE SUMMARY OF BENEFITS, LIMITATIONS AND EXCLUSIONS DENTAL FOR EVERYONE SUMMARY OF BENEFITS, LIMITATIONS AND EXCLUSIONS DEDUCTIBLE The dental plan features a deductible. This is an amount the Enrollee must pay out-of-pocket before Benefits are paid. The

More information

2007 Insurance Benefits Guide. Dental and Dental Plus. Dental and. Dental Plus. www.eip.sc.gov Employee Insurance Program 91

2007 Insurance Benefits Guide. Dental and Dental Plus. Dental and. Dental Plus. www.eip.sc.gov Employee Insurance Program 91 Dental and www.eip.sc.gov Employee Insurance Program 91 Table of Contents Introduction...93 Your Dental Benefits at a Glance...94 Claim Examples (using Class III procedure claims)...95 How to File a Dental

More information

EMPLOYEE DENTAL PLANS

EMPLOYEE DENTAL PLANS EMPLOYEE DENTAL PLANS State Health Benefits Program ELIGIBILITY The Employee Dental Plans are available to full-time State employees, full-time employees of a local employer (county, municipality, school

More information

Delta Dental of New Jersey

Delta Dental of New Jersey Delta Dental of New Jersey With Delta Dental, You Get These Important Features Comprehensive preventive, basic and major dental coverage Choice of two excellent plans... so you can select the one that

More information

Plans for Families and Adults with Comprehensive Coverage Features & Benefit Details

Plans for Families and Adults with Comprehensive Coverage Features & Benefit Details Page 1 of 7 s for Families and Adults with Comprehensive Coverage Network Premier Altus Dental Participating Dentists Blue Cross PPO Dental Preferred Dentist Program Plus EPO Family EPO DentalGuard Preferred

More information

Outline of Coverage. Medicare Supplement

Outline of Coverage. Medicare Supplement Outline of Coverage Medicare Supplement 2015 Security Health Plan of Wisconsin, Inc. Medicare Supplement Outline of Coverage Medicare Supplement policy The Wisconsin Insurance Commissioner has set standards

More information

Affordable Care Act Toolkit

Affordable Care Act Toolkit Affordable Care Act Toolkit for Businesses with less than 50 employees Choose coverage that fits. Form No. 3-1018 (07-14) Small Groups The Affordable Care Act Blue Cross of Idaho prepared this toolkit

More information

More to feel good about. Baltimore City Public Schools. 2011 Dental Options

More to feel good about. Baltimore City Public Schools. 2011 Dental Options More to feel good about. Baltimore City Public Schools 2011 Dental Options Baltimore City Public Schools Important Phone Numbers for 2011 DHMO Customer Service (410) 847-9060 or (888) 833-8464 Mailing

More information

PRIME 65. Benefits at a Glance. Form No. 3-023 (10-14)

PRIME 65. Benefits at a Glance. Form No. 3-023 (10-14) 2015 PRIME 65 Benefits at a Glance Form No. 3-023 (10-14) Policy Form No. 3-020 (06-10) Policy Form No. 3-021 (06-10) Policy Form No. 3-022 (06-10) Policy Form No. 3-030 (06-10) Policy Form No. 3-031 (06-10)

More information

National Automatic Sprinkler Industry Welfare Fund. Benefits Highlights

National Automatic Sprinkler Industry Welfare Fund. Benefits Highlights National Automatic Sprinkler Industry Welfare Fund Benefits Highlights 2014 This Benefits Highlights booklet does not contain the full plan document and is not a Summary Plan Description for the NASI Welfare

More information

Understanding Dental Insurance Coverage

Understanding Dental Insurance Coverage Understanding Dental Insurance Coverage The best way to take full advantage of your dental insurance coverage is to understand its features. Our best advice is to read your benefits information before

More information

CENTRAL UNITED LIFE INSURANCE COMPANY HOUSTON, TEXAS

CENTRAL UNITED LIFE INSURANCE COMPANY HOUSTON, TEXAS CENTRAL UNITED LIFE INSURANCE COMPANY HOUSTON, TEXAS GA Commission Schedule Health and Disability Products 1st Yr. % Renewal % 24 Hour Accident- Individual- excludes AZ and CO 40 5 Voluntary Group Accident

More information

IMRF-endorsed health insurance programs

IMRF-endorsed health insurance programs IMRF-endorsed health insurance programs Read this booklet for information on choosing a health care plan endorsed by the IMRF Board of Trustees. This booklet also includes information about: Medicare Part

More information

Outline of Coverage. Medicare Supplement

Outline of Coverage. Medicare Supplement Outline of Coverage Medicare Supplement 2016 Security Health Plan of Wisconsin, Inc. Medicare Supplement Outline of Coverage Medicare Supplement policy The Wisconsin Insurance Commissioner has set standards

More information

EmblemHealth Preferred Dental

EmblemHealth Preferred Dental EmblemHealth Preferred Dental Unique coverage levels at affordable group rates. Here s how EmblemHealth Preferred Dental will deliver for you: Complete your benefits package with paid-infull* in-network

More information

Paulding County School District Dental Plan Benefits

Paulding County School District Dental Plan Benefits Paulding County School District Dental Plan Benefits Network: PDP Plus Benefit Summary Plan Option 1 High Plan Plan Option 2 Low Plan Coverage Type In-Network Out-of-Network Coverage Type In-Network Out-of-Network

More information

SECTION F DENTAL BENEFITS

SECTION F DENTAL BENEFITS SECTION F DENTAL BENEFITS Section Page Eligibility... F. 1 Benefit Year... F. 1 What is Covered... F. 1 Highlights of the Program... F. 2 Orthodontic Treatment... F. 3 Procedures for Obtaining PPO Services...

More information

( ) PEARLPLANS. group dental insurance. It s smart to put your money where your mouth is. FOR GROUPS OF 3 99 100% COVERAGE OF PREVENTIVE SERVICES

( ) PEARLPLANS. group dental insurance. It s smart to put your money where your mouth is. FOR GROUPS OF 3 99 100% COVERAGE OF PREVENTIVE SERVICES 1 ( ) PEARLPLANS group dental insurance It s smart to put your money where your mouth is. FOR GROUPS OF 3 99 100% COVERAGE OF PREVENTIVE SERVICES CHOICE OF PLANS FLEXIBLE OPTIONS TO REDUCE COST FLEXIBLE

More information

I want a health care plan with all the options.

I want a health care plan with all the options. I want a health care plan with all the options. PERSONAL BLUEPLANS SE These are my plans. Personal BluePlans SM SE PLAN FEATURES Personal Blue BluePlans SE let you build the plan that works for you. The

More information

Welcome to Your Texas A&M System Dental Benefits Program

Welcome to Your Texas A&M System Dental Benefits Program Welcome to Your Texas A&M System Dental Benefits Program The Benefits of Choice Two great Delta Dental options to choose from Choose between the A&M Dental PPO plan and the DeltaCare USA DHMO Enrollment

More information

HSTA VB Supplemental Group Number 2602

HSTA VB Supplemental Group Number 2602 HSTA VB Supplemental Group Number 2602 Dental Plan Benefits HDS. A plan that puts a smile on your face. This brochure includes a brief description of your HDS dental benefits. All benefits are governed

More information

FORD DENTAL COVERAGE

FORD DENTAL COVERAGE FORD DENTAL COVERAGE HOW DENTAL COVERAGE WORKS The Trust provides dental coverage to you and your eligible Dependents. A Dental Benefits Manager, Delta Dental of Michigan, whose contact information is

More information

BEMIDJI STATE UNIVERSITY BENEFITS SUMMARY for ADMINISTRATORS

BEMIDJI STATE UNIVERSITY BENEFITS SUMMARY for ADMINISTRATORS Human Resources BEMIDJI STATE UNIVERSITY BENEFITS SUMMARY for ADMINISTRATORS The benefits listed are subject to change pending state and federal legislation and MnSCU Board Regulations. For further information

More information

The Standard Select SM Group Dental Insurance Flexible Dental Plans for Small Businesses

The Standard Select SM Group Dental Insurance Flexible Dental Plans for Small Businesses The Standard Select SM Group Dental Insurance Flexible Dental Plans for Small Businesses STANDARD INSURANCE COMPANY Your Proposed Group Insurance Plan Standard Insurance Company appreciates the opportunity

More information

Worthington City Schools Dental Plan Benefits

Worthington City Schools Dental Plan Benefits Worthington City Schools Dental Plan Benefits For the savings you need, the flexibility you want and service you can trust. Network: PDP Plus Benefit Summary Coverage Type PDP In-Network Out-of-Network

More information

Medicare Supplement Health Insurance

Medicare Supplement Health Insurance sm Medicare Supplement Health Insurance Form No. 3-023 (12-12) Policy Form No. 3-020 (06-10) Policy Form No. 3-021 (06-10) Policy Form No. 3-022 (06-10) Policy Form No. 3-030 (06-10) Policy Form No. 3-031

More information

FACULTY (IFO) CANDIDATE BENEFITS SUMMARY

FACULTY (IFO) CANDIDATE BENEFITS SUMMARY Human Resources Office Rev. Jan. 2013 FACULTY (IFO) CANDIDATE BENEFITS SUMMARY The benefits listed are subject to change pending state and federal legislation and changes in the negotiated agreements.

More information

2015 Brinker Benefits PART-TIME HOURLY TEAM MEMBERS

2015 Brinker Benefits PART-TIME HOURLY TEAM MEMBERS 2015 Brinker Benefits PART-TIME HOURLY TEAM MEMBERS Enroll Online any time, day or night at www.brinkernation.com Step-by-Step Instructions 1. Go to www.brinkernation.com 2. If this is your first time

More information

Affordable Care Act Resource Guide

Affordable Care Act Resource Guide Affordable Care Act Resource Guide for Businesses with fewer than 50 employees Effective October 29, 2015 Form No. 3-1018 (11-15) The information in this document is a general overview of the rules, regulations

More information

Kaukauna Area School District Employee Benefits Booklet 2015. Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE

Kaukauna Area School District Employee Benefits Booklet 2015. Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE Kaukauna Area School District Employee Benefits Booklet 2015 Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE Quick Reference Guide Benefit Vendor Phone & Website Health Network Health Plan

More information

Unified Health One. Guaranteed Issue and Instant Fulfillment

Unified Health One. Guaranteed Issue and Instant Fulfillment Unified Health One Limited Benefit Health Insurance Plans For Individuals and Families 00% Guaranteed Coverage for Individuals and Families Who Cannot Afford or Qualify for Full Comprehensive Medical Plans

More information

Summary of Benefits. Mount Holyoke College

Summary of Benefits. Mount Holyoke College Dental Blue Program 2 Summary of Benefits Mount Holyoke College Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association Dental Blue Program 2 Preventive

More information

RETIREE DENTAL PLANS

RETIREE DENTAL PLANS RETIREE DENTAL PLANS Eligible Members of the State Health Benefits Program (SHBP) and School Employees Health Benefits Program (SEHBP) The Retiree Dental Plans are offered to retirees eligible to enroll

More information

Senior Dental Plan. Your Senior Dental Plan Handbook... DENTAL PLAN. Senior Dental Plan Table of Contents. Keys to making the most of your coverage:

Senior Dental Plan. Your Senior Dental Plan Handbook... DENTAL PLAN. Senior Dental Plan Table of Contents. Keys to making the most of your coverage: Your Senior Dental Plan Handbook... Keys to making the most of your coverage: DENTAL PLAN Always use contracted providers (visit www.dmba.com for a current list) Be aware of the annual max and the lifetime

More information

We ve taken the health plan you want, and turned it into a health plan you can afford. Introducing: SmartSense and Premier Individual PPO Health Plans

We ve taken the health plan you want, and turned it into a health plan you can afford. Introducing: SmartSense and Premier Individual PPO Health Plans Individual and Family Health Care Plans for Georgia We ve taken the health plan you want, and turned it into a health plan you can afford. Introducing: SmartSense and Premier Individual PPO Health Plans

More information

TrueCare Washington. You re not going to drill if you don t have to? THE POLICY PROVIDES DENTAL BENEFITS ONLY.

TrueCare Washington. You re not going to drill if you don t have to? THE POLICY PROVIDES DENTAL BENEFITS ONLY. You re not going to drill if you don t have to? TrueCare Washington Form No. 005IWA(8/14) Policy Form No. 001TRUE-WA(1/14) THE POLICY PROVIDES DENTAL BENEFITS ONLY. Personal care for your individual needs

More information

Delta Dental Individual and Family DENTAL AND VISION PLANS AT A PRICE THAT WILL MAKE YOU SMILE.

Delta Dental Individual and Family DENTAL AND VISION PLANS AT A PRICE THAT WILL MAKE YOU SMILE. Delta Dental Individual and Family DENTAL AND VISION PLANS AT A PRICE THAT WILL MAKE YOU SMILE. WHY DENTAL INSURANCE? To improve your health People with dental insurance typically visit the dentist more

More information

Consider Alternative Solutions if:

Consider Alternative Solutions if: Alternative Solutions is a group association fixed indemnity health insurance plan underwritten by Madison National Life Insurance Company, Inc., a Wisconsin insurance company. Madison National Life is

More information

Individual Health Insurance A Family of Plans Designed Around Your Needs

Individual Health Insurance A Family of Plans Designed Around Your Needs Individual Health Insurance A Family of Plans Designed Around Your Needs All for You - trusted, reliable, affordable health insurance for you and your loved ones For over 70 years, Blue Cross and Blue

More information