|
Underwritten
By: National
Guardian Life Insurance
Company (Rated A - Excellent
by AM Best)
|
| The
Essential
Dental
Solutions Plan
is an insured
dental plan
and Pays
100% for the
services your
family needs
to maintain good oral
health! It is
affordable
because it
focuses on
providing the
dental
insurance benefits that
you and your
family need,
not on
benefits you
may never use! |
| Everyone
is accepted
and there are No
Deductibles
or Benefit Waiting
Periods, so
you and your
family can
start using
the dental
benefits right
away. |
|
Use
Any Dentist or
Choose from
85,000
credentialed
DenteMax dentists
nationwide.
|
|
|
|
View
a list of DenteMax Dental
Providers in your area by Clicking
Here
|
| $34.95 Per Month
- Includes Entire Family |
|
Plan
Not Available in: LA, ME, MA,
MT, NV, NY, NC, OR, UT or WA |
|
|
|
The
Essential Dental Solutions
Plan Utilizes the DenteMax
Network
| Covered
Service |
In
Network Benefit |
Benefit
Guidelines |
| Insured
Dental Services - Paid 100% (Benefits are
Per Person) |
| Periodic
Oral Exam (Office
Visit) |
Plan
Pays
100% |
Twice
Per Year / Person |
| Prophylaxis
(Teeth Cleaning) |
Plan
Pays
100% |
Twice
Per Year / Person |
| Bitewing
X-Rays |
Plan
Pays
100% |
One
Set Every Year /
Person |
| Fillings
- Resin-Based
Composite |
Plan
Pays
100% |
One
Filling Per Year /
Person |
|
*
The Annual Limit the
insurance company will
pay for the dental
procedures listed
above is $500 per
person. All
other services include
network discounts, can
be used as often as
needed and do not go
towards the annual per
person limit.
|
Sample
of Reduced Fee
Services (Unlimited
Use)  |
| Full
Mouth X-Rays |
Average
Savings: 42% |
The
Essential Dental
Solutions plan
includes a
Unconditional 30 Day
Money Back
Guarantee. You
can cancel your plan
at any time - No
Questions Asked. |
| Additional
Fillings |
Average
Savings: 32% |
| Root
Canals |
Average
Savings: 34% |
| Surgical
Extractions |
Average
Savings: 31% |
| Crowns |
Average
Savings: 27% |
| Upper
Denture |
Average
Savings: 48% |
| Orthodontics
/ Braces |
Average
Savings: 20%+ |
| Please
Note:
The dental insurance plan pays 100%
for two Exams per year, two
Cleanings per year, one
Bitewing X-Ray per year and
one Composite Filling per year
Per Person. The
sample schedule above,
includes the most
common dental
procedures.
Nearly all other
services include
substantial network
discounts and the
services can be used as often
as needed. When
using a network dental
provider the amount
charged is
automatically
discounted according
to the fee schedule. |
|
View
Sample Discount Dental
Schedule by Clicking Here |
|
|
|
View
a list of DenteMax dental
network providers in
your area by Clicking Here
|
|
View
the sample DenteMax Network dental
schedule by Clicking Here
|
|
Print
the Essential Dental Insurance
brochure for individuals and
families
|
|
Employers
and Groups - Click Here for
group dental coverage
|
| OTHER
PLAN PROVISIONS |
| Annual
Deductible |
None |
|
Benefit
Waiting Periods
|
None |
|
Office
Co-Pay
|
None |
|
|
Questions
or to Apply over the phone - Call 1-800-544-9505
|
|
|
| Additional
Dental Plan Information |
- No
Deductibles or waiting
periods - 30 Day Money
Back Guarantee - Cancel at
any time
- You
can typically use your
dental insurance 5-7
business days after you
apply
- Your
policy and ID cards are
sent by mail - Typically 7-10 days after you
apply
- If
you need to use your plan
before the ID cards are
received in the mail, you
can call customer service
for your ID number.
The toll free number is
included in email order
receipt.
- The
plan cost of $34.95/month
includes the entire family
- All
insured benefits are per
person - Pre-existing
conditions included
- Plan
is available to all ages
and everyone is accepted
- Use
any dentist and change
your dentists as often as
you like
- Claims
are submitted by network
dentists - Click
Here for a list of dental
providers
- Plan
also includes discounts on
prescriptions, hearing
services and more
|
|
|
|
How
does this dental insurance
plan work? Click
Here for More Information |
|
I
used the Essential Dental plan for the first
time and was very pleased. On my
first visit, I had an Oral
Exam, a Panoramic X-Ray, a
Bitewing X-Ray, a Cleaning and
then a filing on another
visit.. The total I
paid to the dentist was $63.00
and the remainder was covered
by the insurance company....Roger
from Wisconsin |
|
The Essential Dental
plan includes Free Rx, Lab, X-Ray & MRI plan's |
|
Keep them even if
you cancel your dental insurance More
Info |
| The
Essential Dental Solutions
program may not be available
in all states. |
| Plan
NOT available in: LA, ME, MA, MT,
NV, NY, NC, OR, UT or WA |
| The
Dental Plan is provided
through a group policy issued
to the National Congress of
Employees Association located
in Washington, D.C. This
affordable Dental Plan is
administered by Group Dental
Service, a company that has
been providing quality dental
plans and services for over 42
years. |
|
| *Members
can receive benefits from any
provider! However, benefits
are calculated using a Maximum
Allowable Charge. Maximum
Allowable Charges are
limitations on billed charges
and are based on fees paid to
Network Providers in the
geographic area where the
expenses are incurred. For Out
of Network Providers, members
are responsible for amounts
charged by the provider that
exceed benefits, and may be
required to remit payment at
the time of service and then
file the claim for reimbursement. Click
Here for a list of network
dental providers |
|
| **Active
Members will enjoy discounts,
on average 20% to 50% off
standard fees, on other
covered dental procedures when
you see a participating
Network Provider. Members who
see an Out of Network Provider
will not be entitled to a
discount. Discounts will vary
by provider and location. |
|
| ***The
Benefit Guidelines are for
each listed family member and
the benefits cannot be
transferred or combined
between members. |
| Questions
or to Apply over the phone - Call 1-800-544-9505 |
| Notices: |
| Included
in the $34.95 monthly cost of
this plan are the membership
dues for the National Congress of
Employees Association (NCE). This insurance plan is
underwritten by (AM Best Rated
A-Excellent) National
Guardian Life Insurance
Company, NAIC # 66583,
domiciled in Wisconsin with
their principal place of
business located at 2 East
Gilman St., Madison, WI 53703,
and is licensed in Washington
D.C. National Guardian Life is
not affiliated with The
Guardian Life Insurance
Company of America, aka The
Guardian or Guardian Life.
These benefits are provided
under the Group Dental Policy
(Policy Form NDNGRP 04/06)
issued to the NCE and are
subject to the exclusions,
limitations, terms and
conditions of coverage as set
forth in the Certificate of
Insurance. The insurance
premiums for these benefits
are paid by NCE out of
membership fees collected. The
membership fees charged for
this program are not insurance
premiums. The dental product
may vary by State and may not
be available in all States. |
| |
| For
a full explanation of your
dental benefits provided
through the NCE Association,
please Click
Here. |
|
|
The
Essential Dental Solutions
plan is Underwritten
By National
Guardian Life Insurance
Company. National
Guardian Life is rated (Rated A - Excellent
by AM Best) for financial
strength. |
