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Renaissance
Plan III

Plan III gives you peace of mind, so you''ll never have to worry about having a healthy smile.

  • Freedom to visit any licensed dentist, while saving money using a dentist in our network
  • No waiting periods, on preventive care with 100% coverage
  • Higher percentage of coverage for minor restorative work vs. Plan II
  • $1,000 annual maximum
  • Low $50 deductible

Note: Policies have exclusions and limitations that may limit coverage

Common procedures:
Cleaning:100%
White Filling:80%
Crown:50%
Root Canals:50%
Simple Extractions:80%
Plan Maximum:$1000 per benefit year, per insured person
$300 per person total per Lifetime for TMD treatment
Waiting Periods:Preventive-None, Basic-6 months, Major-12 months
Deductible:$50 deductible per person per benefit year limited to a maximum deductible of $150 per family per benefit year
The deductible does not apply to Diagnostic and Preventive services, Emergency Palliative Treatment, Brush Biopsy, and bitewing X-rays
Details:
Fee Schedule: N/A  |  Dentist Search
Exams:
Routine periodic examinations (including bitewing X-rays and fluoride treatments up to age 14) – twice per benefit year
In Network – 100%
Out of Network – 80%
Preventive (Class I Benefits) – No waiting period
Cleanings:
In Network – 100%
Out of Network – 80%
Preventive (Class I Benefits) – No waiting period
X-Rays:
Radiography: bitewing X-rays – once per benefit year
full mouth X-rays (which include bitewing X-rays) – once in any five consecutive years
In Network – 80% after deductible
Out of Network – 60% after deductible
Basic (Class II Benefits) – 6 months waiting period
Fillings:
Fillings: amalgam (silver) and composite resin (white)
In Network – 80% after deductible
Out of Network – 60% after deductible
Basic (Class II Benefits) – 6 months waiting period
Extractions:
Simple Extraction including local anesthesia, suturing, if needed and routine post-operative care
In Network – 80% after deductible
Out of Network – 60% after deductible
Basic (Class II Benefits) – 6 months waiting period
Crowns:
In Network – 50% after deductible
Out of Network – 50% after deductible
Major (Class III Benefits) – 12 months waiting period
Root Canals:
Endodontics: Pulpal therapy and root canals
In Network – 50% after deductible
Out of Network – 50% after deductible
Major (Class III Benefits) – 12 months waiting period
Dentures:
In Network – 50% after deductible
Out of Network – 50% after deductible
Major (Class III Benefits) – 12 months waiting period
Deep Cleanings:
Treatment of diseases of the gums and supporting structures of the teeth
In Network – 50% after deductible
Out of Network – 50% after deductible
Major (Class III Benefits) – 12 months waiting period
Implants:
In Network – 50% after deductible
Out of Network – 50% after deductible
Major (Class III Benefits) – 12 months waiting period
Braces/Orthodontia:
Not Covered Service
Teeth Whitening:
Not Covered Service
Additional Network Information:

The Renaissance PPO network combines leading national and regional PPO networks to offer you maximum choice and value. You can find a participating dentist using the search tool below. If you decide to contact a dental office directly, please refer to the following network partners that a dental office will likely recognize:

  • Maximum Care
  • Connection Dental
  • Maverest Dental Network (formerly Dental Wellness Partners)

NOTE FOR NEW YORK RESIDENTS: THESE POLICIES PROVIDE DENTAL INSURANCE ONLY. THE EXPECTED BENEFIT RATIO FOR THESE POLICIES ARE AS FOLLOWS: PLAN II (63.9%) and PLAN III (69.1%). THESE RATIOS ARE THE PORTION OF FUTURE PREMIUMS THAT THE COMPANY EXPECTS TO RETURN AS BENEFITS, WHEN AVERAGED OVER ALL PEOPLE ON THESE POLICIES.

Exclusions and Limitations
Privacy Policy
Plan Brochure

FAQ:

Can I change my dentist once I am in the plan?

Yes, you may change your dentist at any time.

What is a pre-existing condition versus work-in-progress? Is it covered?

A pre-existing condition is an oral health condition, which existed before your enrollment in a dental program. The plan does not include an exclusion for pre-existing conditions.

Work in progress is dental work that was started prior to joining the plan. The dentist who started the dental work must complete work in progress after you join the dental plan. Work in progress is not covered.

What provider options do I have?

The plan gives you the freedom to select any licensed dentist you please, but you will save more money by using a Renaissance Dental participating dentist.

When can I start using my Plan?

You can start using your plan once it goes into effect - usually the 1st of the month following your enrollment (as long as the enrollment and payment is received within the enrollment deadline). Incomplete enrollment forms or failure to submit the required initial premium amount may cause an initial delay in issuance of insurance. Do not cancel any other insurance or assume you are insured under the Plan until you receive your certificate of insurance.

When will I receive my new member kit and what will it include?

You will receive your new member kit within 5-10 business days. The kit will include the State specific policy information, Plan Summary and ID cards.

Who can enroll in this plan?

You may enroll yourself and your eligible dependents. Dependents named in the application must be approved by Renaissance Dental as eligible. Specific criteria for dependent eligibility may vary by state.

As long as you meet the plan’s general eligibility requirements and pay the applicable premium, your acceptance is automatic.

Underwriter Address:
Renaissance Life & Health Insurance Company of America
P.O. Box 1596
Indianapolis, IN 46206

and in New York by:
Renaissance Health Insurance Company of New York
Binghamton, NY

Disclaimers and Disclosures:

Note: The above summary is a sample of benefits. Policies have exclusions and limitations that may limit coverage. For complete coverage details, please refer to your policy (in Oregon, refer to policy INVD-100A-OR v2). These dental plans are available exclusively to members of organizations offering Renaissance Dental to them. Underwritten by Renaissance Life & Health Insurance Company of America, Greenwood, IN, and in New York by Renaissance Health Insurance Company of New York, New York, NY.

Products and services referred to in this brochure are not available in all states or jurisdictions.

Underwritten by:
Renaissance Life & Health Insurance Company of America P.O. Box 1596 Indianapolis, IN 46206

and in New York by:
Renaissance Health Insurance Company of New York, Binghamton, NY

This website provides a very brief description of some of the important features of this plan. It is not the insurance contract, nor does it represent the insurance contract. A full description of benefits, exclusions and limitations is contained in the Schedule of Benefits and your policy.

Rates shown are based upon the information you provided, and are subject to change based on the dental and/or vision plan's underwriting practices and your selection of available optional benefits, if any. Final rates and effective dates are subject to underwriting and are always determined by the dental insurance and/or vision insurance company. To be considered for reimbursement, expenses must qualify as covered expenses.

This site was designed to provide you with a general description of the plans you requested. Keep in mind that it does not include all the benefits and limitations outlined in the policies -- it is the insurance contract, not the general descriptions on this website, which forms the contract between you and the insurance company.

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