|
Underwritten
By: National
Guardian Life Insurance
Company (Rated A - Excellent
by AM Best)
|
|
|
|
View
a list of Network Dental
Providers in your area by Clicking
Here
|
| $29.95 Per Month
- Includes Entire Family |
|
Plan
Not Available in: LA, ME, MA,
MT, NV, NY, NC, OR, UT or WA |
|
|
| Covered
Service |
In
Network Benefit |
Benefit
Guidelines |
| Insured
Dental Services - Paid 100% (Benefits are
Per Person) |
| Periodic
Oral Exam (Office
Visit) |
Pays
100% |
Twice
Per Year / Person |
| Prophylaxis
(Teeth Cleaning) |
Pays
100% |
Twice
Per Year / Person |
| Bitewing
X-Rays |
Pays
100% |
One
Set Every Year /
Person |
| Fillings
- Resin-Based
Composite |
Pays
100% |
One
Filling Per Year /
Person |
| Sample
of Reduced Fee Services (Unlimited
Use) |
| Full
Mouth X-Rays |
Discounted
(Average 42%) |
|
| Additional
Fillings |
Discounted
(Average 32%) |
|
| Root
Canals |
Discounted
(Average 34%) |
|
| Surgical
Extractions |
Discounted
(Average 31%) |
|
| Crowns |
Discounted
(Average 27%) |
|
| Upper
Denture |
Discounted
(Average 48%) |
|
| Orthodontia
/ Braces |
Discounted
(Average 20%) |
|
|
View
Sample Discount Dental
Schedule by Clicking Here |
| Please
Note: The fee schedule is
only a sample of the most
common dental procedures.
The dental insurance pays 100%
for two Exams per year, two
Cleanings per year, one
Bitewing X-Ray per year and
one Composite Filling per year
per person. All
other services are discounted
according to the dental fee
schedule. |
|
|
|
| OTHER
PLAN PROVISIONS |
| Annual
Deductible |
None |
|
Benefit
Waiting Periods
|
None |
|
Office
Co-Pay
|
None |
|
| The
annual benefit maximum of $500
is the total annual amount the
insurance company will pay for
each person per year. Discounted
dental services do not count
towards this amount and have
unlimited use. |
 |
| Additional
Dental Plan Information |
- No
Deductibles or waiting
periods - 30 Day Money
Back Guarantee
- You
can use the plan 3-5
business days after you
apply
- Your
ID card and policy is sent
by mail 4-5 days after you
apply
- The
pan cost of $29.95/month
includes the entire family
- All
insured benefits are per
person
- The
maximum amount paid by the
insurance company is $500
per person per year
- Plan
is available to all ages
and everyone is accepted
- Use
any dentist and change
your dentists as often as
you like
- Claims
are submitted by network
dentists - Click
Here for a list of dental
providers
- Plan
also includes discounts on
prescriptions, hearing
services and more
|
|
|
|
How
does this dental insurance
plan work? Click
Here for More Information |
|
I
used the Essential Dental plan for the first
time and was very pleased. On my
first visit, I had an Oral
Exam, a Panoramic X-Ray, a
Bitewing X-Ray, a Cleaning and
then a filing on another
visit.. The total I
paid to the dentist was $63.00
and the remainder was covered
by the insurance company....Roger
from Wisconsin |
| The
Essential Dental Solutions
program may not be available
in all states. |
| Plan
NOT available in: LA, ME, MA, MT,
NV, NY, NC, OR, UT or WA |
| The
Dental Plan is provided
through a group policy issued
to the National Congress of
Employees Association located
in Washington, D.C. This
affordable Dental Plan is
administered by Group Dental
Service, a company that has
been providing quality dental
plans and services for over 42
years. |
|
| *Members
can receive benefits from any
provider! However, benefits
are calculated using a Maximum
Allowable Charge. Maximum
Allowable Charges are
limitations on billed charges
and are based on fees paid to
Network Providers in the
geographic area where the
expenses are incurred. For Out
of Network Providers, members
are responsible for amounts
charged by the provider that
exceed benefits, and may be
required to remit payment at
the time of service and then
file the claim for reimbursement. Click
Here for a list of network
dental providers |
|
| **Active
Members will enjoy discounts,
on average 20% to 50% off
standard fees, on other
covered dental procedures when
you see a participating
Network Provider. Members who
see an Out of Network Provider
will not be entitled to a
discount. Discounts will vary
by provider and location. |
|
| ***The
Benefit Guidelines are for
each listed family member and
the benefits cannot be
transferred or combined
between members. |
| Questions
or to Apply over the phone - Call 1-800-544-9505 |
| Notices: |
| Included
in the $29.95 monthly cost of
this plan are the membership
dues for the National Congress of
Employees Association (NCE). This insurance plan is
underwritten by National
Guardian Life Insurance
Company, NAIC # 66583,
domiciled in Wisconsin with
their principal place of
business located at 2 East
Gilman St., Madison, WI 53703,
and is licensed in Washington
D.C. National Guardian Life is
not affiliated with The
Guardian Life Insurance
Company of America, aka The
Guardian or Guardian Life.
These benefits are provided
under the Group Dental Policy
(Policy Form NDNGRP 04/06)
issued to the NCE and are
subject to the exclusions,
limitations, terms and
conditions of coverage as set
forth in the Certificate of
Insurance. The insurance
premiums for these benefits
are paid by NCE out of
membership fees collected. The
membership fees charged for
this program are not insurance
premiums. The dental product
may vary by State and may not
be available in all States. |
| |
| For
a full explanation of your
dental benefits provided
through the NCE Association,
please click
here. |
