Dental Insurance

CARE Insurance Benefits

Dental Insurance

Dental benefits are offered through Ameritas Group Dental and Eye Care. Guaranteed Issue - Offered Nationwide

Plan Options

Insurance Pays 100% of schedule -Sample Schedule of Benefits -	Value	Standard	Royal
Preventive - NO DEDUCTIBLE
Two evaluations per calendar year	$13 each	$16 each	$20 each
Two cleanings per calendar year—Adult	$33 each	$40 each	$50 each
Two cleanings per calendar year—Child	$22 each	$27 each	$34 each
Fluoride for Children (Under age 19)	$13	$15	$19
Basic
X-rays—complete series (including bitewings)	$40	$48	$60
Bitewings—two films (Twice in a Benefit Period)	$15	$18	$22
Amalgam restoration (silver fillings)—one surface, primary or permanent	$35	$42	$53
Extraction—Erupted tooth or exposed root (elevation and/or forceps removal)	$40	$48	$60
Surgical removal of tooth (completely bony)	$83	$100	$125
Deep sedation/general anesthesia	$116	$140	$175
Major
Maxillary partial denture—resin base	$248	$300	$375
Denture repair-Repair Broken Base	$30	$36	$45
Endodontics—root canal, anterior	$132	$160	$200
Periodontal scaling and root planing, four or more teeth. Each quadrant is eligible for consideration once in a 2 year period	$43	$52	$65
Crown—full cast noble metal	$185	$224	$280
Crown repair	$50	$60	$75
Pontics—porcelain fused to noble metal	$185	$224	$280

Dental Rewards ®—If within a calendar year an individual goes to the dentist at least once and never uses more than $500 of the plan maximum, the plan maximum will increase an additional $250 for the next year. This will continue to build up to a maximum total of $2,000 ($1,000 annual maximum, plus $1,000 maximum carryover) as long as the two provisions are met. If the member does not submit a covered claim during the calendar year, they will lose their accumulated carryover benefits and will not earn any for that year. If the member exceeds the $500 threshold, they will not lose any accumulated carryover, however they will not earn any additional carryover for that year.

Freedom to choose your provider—Additional savings can be seen if you use a network provider. Providers can be found at www.ameritasgroup.com

Eye Care Fusion Benefit

-Benefit - 100% up to a maximum of $100 with $0 Deductible. The amount used up to the $100 is deducted out of the total $1,000 maximum allowed for dental/Eye Care benefits. There is no limitation on frequencies.

Exams—Includes case history; external examination of the eye and adnexa; ophthalmoscopic examination; determination of refracture status; binocular balance; tonometry test for glaucoma; gross visual field when indicated; summary finding; prescribing of lenses.

Frames

Lenses—Single; Bifocal; Trifocal; No line bifocal or progressive power; Lenticular

Contact Lenses

Laser Vision Correction Coverage

If an Insured undergoes or receives a Covered Procedure rendered by a Provider, the policy will pay benefits as stated below. Benefit Amount Payable For Covered Procedures Per Insured Person

Lifetime Maximum Benefit per Eye: For Covered Procedures, we will pay the lesser of the Provider’s actual charge or the following benefit amount that corresponds to the Benefit Period in which the Covered Procedure was performed:

     1st Benefit Period      2nd Benefit Period

         $0 per eye                       $100 per eye

     3rd Benefit Period     4th+ Benefit Period

        $250 per eye                   $500 per eye

Monthly Premium	Value	Standard	Royal
Single Only	$24.77	$34.88	$44.25
Insured & One (Spouse or Child)	$44.97	$63.36	$80.53
Insured & 2 or More	$66.38	$92.08	$117.69

- Rates include the $1.00 CARE Membership Fee

*Please refer to your certificate of insurance for complete details on all benefits, frequencies and plan limitations or view the limitations enclosed

*Eligible applicants must be a member in good standing of CARE

*Please refer to your certificate of insurance for complete details on all benefits, frequencies and plan limitations or view the limitations enclosed

Ameritas Group Dental and EyeCare - Dental Limitations and Exclusions:

Covered Expenses will not include and benefits will not be payable for expenses incurred:

for Type 3 Procedures in the first 12 months the person is covered under this contract
for initial placement of any prosthetic crown, appliance, or fixed partial denture unless such placement is needed because of the extraction of one or more teeth while the insured person is covered under this contract. But the extraction of a third molar (wisdom tooth) will not qualify under the above. Any such prosthetic crown, appliance, or fixed partial denture must include the replacement of the extracted tooth or teeth
for appliances, restorations, or procedures to: a. alter vertical dimension; b. restore or maintain occlusion; or c. splint or replace tooth structure lost as a result of abrasion or attrition
for any procedure begun after the insured person's insurance under this contract terminates
or for any prosthetic dental appliances installed or delivered more than 90 days after the Insured's insurance under this contract terminates
to replace lost or stolen appliances
for any treatment which is for cosmetic purposes
for any procedure not shown in the Table of Dental Procedures. (There may be additional frequencies and limitations that apply, please see the Table of Dental Procedures for details.)
for orthodontic treatment under this benefit provision. (If orthodontic expense benefits have been included in this policy, please refer to the Schedule of Benefits and Orthodontic Expense Benefits provision found on 9260)
for which the Insured person is entitled to benefits under any workmen’s compensation or similar law, or charges for services or supplies received as a result of any dental condition caused or contributed to by an injury or sickness arising out of or in the course of any employment for wage or profit
for charges which the Insured person is not liable or which would not have been made had no insurance been in force
for services that are not required for necessary care and treatment or are not within the generally accepted parameters of care
because of war or any act of war, declared or not

Ameritas Group Dental and EyeCare - Eye Care Limitations and Exclusions:

Covered Expenses will not include and benefits will not be payable for expenses incurred for:

vision examinations more than the frequency as indicated on the plan summary page
lenses more than the frequency as indicated on the plan summary page
frames more than the frequency as indicated on the plan summary page
contact lenses more than once in any twelve month period. When chosen, contact lenses shall be in lieu of any other lens or frame benefit during the twelve month period. When lenses and frames are chosen, expenses for contact lenses are not Covered Expenses during the twelve month period
examinations performed or frames or lenses ordered before the member was covered under the eye care expense benefits.
subject to extension of benefits, any examination performed or frame or lens ordered after the member's coverage under the eye care expense benefits ceases
sub-normal eye care aids; orthoptic or eye care training or any associated testing.
non-prescription lenses.
replacement or repair of lost or broken lenses or frames except at normal intervals.
any eye examination or corrective eyewear required by an employer as a condition of employment.
medical or surgical treatment of the eyes.
any service or supply not shown on the Schedule of Eye Care Procedures.
coated lenses; oversize lenses (exceeding 71 mm); photo-gray lenses; polished edges; UV-400 coating and facets, and tints other than solid.

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CLICK HERE FOR QUOTE ON ADDITIONAL BENEFIT OPTIONS.

Even those people with regular medical insurance have trouble meeting the unexpectedly high costs that often accompany hospitalization. There could be expensive deductibles and other initial out-of-pocket expenses to pay before contributions from regular medical coverage begin. These charges can add up quickly, particularly in the face of serious or lengthy medical condition. A Hospital Indemnity policy can help to cover deductibles, co-insurance and other expenses for hospital stays.

Advantages of the policy

· Helps reduce burden of out-of-pocket expenses associated with hospital stays

· Pays in addition to other insurance

· Coverage available for spouse & children of members

· Policy can be continued if a member changes jobs

· Benefits paid directly to insured or to specified party