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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 DentalSM
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
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Plan B
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| 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%
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50%
50%
50%
50%
50%
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| 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%
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50%
50%
50%
50%
50%
50%
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| Deductibles and
Maximums (per insured) |
Annual Deductible for Preventative &
Diagnostic
Annual Deductible for Basic or
Major Services
Annual Maximum Benefit
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$0
$50
$1,000
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$0
$50
$850
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| The Encore DentalSM 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 DentalSM, 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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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.
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© Copyright 2007, Stonebridge Life Insurance Company. |
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