1-2-3 Insurance Plan

To sign-up for this plan by phone, call 1-800-758-2958

The Encore Dental® 1-2-3 Insurance Plan is a new, innovative plan with no waiting period for services – including Major!  How it works is simple:  Once you sign-up, your coverage is immediate for all types of services, and your level of benefits increases every year for three years.  In your third year – and every year after that - you receive the maximum level of benefits which means you can reduce your dental out of pocket expenses even more!

Coverage in
Year 1
Year 2
Year 3
Preventative & Diagnostic:
• Check-Ups (oral exam) & Cleanings
• X-Rays
• Sealants & Fluoride Treatments*

Basic Dental Services:
• Filling & Other Restorative Services
• Anesthesia
• Oral Surgery - including Extractions
• Periodontics
• Root Canals
• and more

100%
100%
100%


20%
20%
20%
20%
20%
20%


100%
100%
100%


40%
40%
40%
40%
40%
40%


100%
100%
100%


80%
80%
80%
80%
80%
80%

Major Dental Services:
• Crowns
• Repairs to Dentures & Bridges
• Full or Partial Dentures, Fixed Bridges
• and more

15%
15%
15%
15%


30%
30%
30%
30%


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

$500

$0

$50

$750

$0

$50

$1,250

The Encore Dental® insurance plan, underwritten by Stonebridge Life Insurance Company, can significantly cut your dental bills, no matter what dentist you see. The benefit levels shown in the above chart indicate 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 expense” (the smallest of either the medium charge, or 85% of the usual and customary charge for the area where the dental service is received). There is no waiting period to receive benefits for major dental services.
* For children aged 16 and under.


We even offer child coverage.
Now you can purchase dental insurance for the whole family! Coverage is available for children up to age 19 (up to age 25 if still in school and unmarried). For TX residents, coverage is available for children up to age 26 if unmarried. Children will receive the same product benefits as noted in the chart above and will even receive sealants* and fluoride treatments* as part of their preventative care.

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 80,000 network dentist locations and save even more because these dentists guarantee pre-negotiated prices.  Click on the link “Find a Dentist” to see if your dentist is part of the network!

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 for reimbursement. 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 covered 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, and with just the first month's premium, your coverage will go into effect.

You can never be singled out for a rate increase
This is 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 ("Class" is defined as a group of people with the same rate classification and who resided in the same state when their Policy/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 Policy/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 application/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. If coverage is to be discontinued due to reasons 1 or 2, we will notify you 60 days in advance.

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
Date of Birth:
ZIP:


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