Product Benefits
You save money on practically every kind of dental service you need. Fortunately, you'll see your most significant savings on major dental work like root canals and crowns - expensive procedures that typically cost hundreds of dollars (even $1,000 or more in some areas). With the Encore Dental® insurance plan, you save up to 50% on those kinds of services. You can cut your bill in half! This insurance coverage will also save you on preventative and diagnostic care - like check-ups, x-rays, and cleanings. Of course, you save on "basic" dental services like fillings as well.

Your Coverage
Plan A
Plan B
Coverage in Year 1
Preventative & Diagnostic:
• Check-Ups (oral exam) & Cleanings
• X-Rays
Basic Dental Services:
• Filling & Other Restorative Services
• Anesthesia
• and more

100%
100%

50%
50%
50%

50%
50%

50%
50%
50%
Additional Coverage after 12 months
Major Dental Services:
• Crown & Root Canal
• Oral Surgery
• Periodontics
• Repairs to Dentures & Bridges
• Full or Partial Dentures, Fixed Bridges
• and more

50%
50%
50%
50%
50%
50%

50%
50%
50%
50%
50%
50%
Deductibles and Maximums (per insured)
Annual Deductible for Preventative & Diagnostic
Annual Deductible for Basic or
Major Services
Annual Maximum Benefit
$0

$50

$1,000
$0

$50

$850
The Encore Dental® insurance plan, underwritten by Stonebridge Life Insurance Company, can dramatically cut your dental bills, no matter what dentist you see. The benefit levels shown in the above chart indicates what the plan will pay when you visit one of the plan's in-network dentists. If you decide to see a dentist who is not part of the plan's network, you also pay for any amount above the "eligible charge" (the average cost dentists charge, or 85% of the usual and customary charge for the area where the dental service is received).

YES! You can use your own dentist
You can use this insurance plan for dental care at your own personal dentist. You're free to use any dentist you choose, anywhere in the country. You never need a referral or "permission" to visit a dentist. If you like, you can visit any of the plan's 65,000 network dentist locations and save even more because these dentists guarantee pre-negotiated prices.

No claim forms
With Encore Dental®, when you use a network dentist, all you pay is your co-payment and any deductible (if applicable) the day of your visit. You don't have to submit a claim, or wait to get money back. All network dentists guarantee to handle the claims paperwork for you. And, you see your savings right away. When you use a dentist who is not in the network, you may have to pay the full amount at the time of service and submit a claim to us. We will then send you a check for the amount your plan covers.

You cannot be turned down
You can get this coverage regardless of your current or past dental history. If you are age 18 - 99, your acceptance is guaranteed. All you need to do is call now to enroll with just the first month's premium and your coverage will go into effect.

You can never be singled out for a rate increase
That's true no matter how many claims you submit. Any change to your premium will be made on a uniform basis only, to all insureds in your class, who are covered under Group Policy 25765 SDG1 ("Class" is defined as a group of people with the same rate classification and who resided in the same state when their Certificate is issued). And we guarantee we will not increase your rates in the first 12 months of coverage.

You have a 30-Day, 100% Money-Back Review Period
When you receive your Certificate of Coverage, review it for 30 days. If you are not completely satisfied, return it within that time and your coverage will be cancelled and your premium will be refunded in full. You have the right to cancel this coverage at any time for any reason. If you cancel this coverage, we can reject any new dental insurance enrollment form you submit during the one year period following the date of cancellation. Coverage can stop if 1) the Group Policy stops, 2) coverage is cancelled for everyone in your class, or 3) the insured performs an act of fraud or makes a material misrepresentation regarding this coverage.

Exclusions
See the terms and conditions page for the list of when benefits are not paid.
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Insurance Quote.
Standard Plans A and B
1-2-3 Plan
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Policy/Certificate #: SLDT1000IP/SLDT1000GC/GC537/D491.
This coverage is issued by Stonebridge Life Insurance Company, an AEGON company.
Stonebridge Life Insurance Company NAIC number 65021. Not available in all states.
Administrative Office: 2700 W. Plano Parkway, Plano, TX 75075-8200. Home Office: Rutland VT 05701.
© Copyright 2011, Stonebridge Life Insurance Company.
A Transamerica Company