Dental Insurance - American Health Shield

Dental Insurance for Individuals and Families

American Health Shield

American Health Shield - AHS Voluntary Dental Insurance is an affordable low cost insured dental plan with comprehensive dental benefits for individuals and their family members.

AHS offers 3 plan options that both include preventative, basic, major and orthodontic benefits. AHS is underwritten by Renaissance Life and Health Insurance Company of America (RLHICA), bringing over 50 years of knowledge and experience to our customers.

Dental Insurance Plan Highlights

Choose from two plan options with coverage ranging from 50% to 100%
PPO Plan option is available in some states
Freedom to choose any dentist - Keep your current dentist
Easy, online application - Print your policy and ID cards online
Membership is available to U.S. Residents, subject to state availability
Convenient, automatic, monthly payments by credit card or bank draft

Dental Insurance Plan Options to Choose From
Dental Plan Information	Dental Providers
View Dental Insurance Plan A Option	Use Any Dentist
View Dental Insurance Plan B Option	Use Any Dentist
View Dental Insurance Plan PPO Option*	View Provider List

*Please Note: The PPO Plan Option is NOT available in all states. When running a quote, the plans available in your area will be shown.

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Note: No personal information is needed for a quote - Just your age and zip code

The American Health Shield dental insurance plan is NOT available in the following states: AK, CO, HI, MT, ND, NE, NV, NY, VT or WA. Click Here for more dental insurance plans.

Frequently Asked Questions

What is the difference between Plan A and Plan B?: After the deductible is met, plan A provides 100% of Preventative Services and 75% of Basic Services; Plan B provides 50% of both Preventative and Basic services.
Who is eligible for this coverage?: This plan is offered to individuals and their spouse age 18 or older, and their unmarried dependent children (from birth to age 19 or 25 if a full-time student -subject to state requirements). All persons listed on the Application for Coverage must reside at the same home address.
When does my coverage start?: Your insurance coverage will begin on the 1st of the month (at 12:00 am), following receipt of the completed Application for Coverage form and payment of the first month plan cost.
What are my payment options?: You can pay in monthly installments by credit card (MasterCard or VISA) or Electronic Funds Transfer (EFT) from your bank.
Can I enroll my dependents?: Yes, your legal spouse, your dependent unmarried children to the end of the calendar year in which they turn 19, or your unmarried children who have not reached their 25th birthday, are allowed to enroll if the child is (1) dependent upon you for support and (2) living in your household.
How do I file a claim?: Download a Claim Form, complete it and mail to:; Renaissance Dental = Payor RLHA1
P. O. Box 17250
Indianapolis, IN 46217; Or, you may call our Customer Service department at Co-ordinated Benefit Plans at 866-753-1002 to request a claim form during daily business hours, 8:30 am - 5:00 pm EST Monday-Friday.
How can I check the status of my claim?: You may call Renaissance Dental Customer Service at 888-358-9484. (Please be sure to have your membership ID# available at the time of the call.)
Am I covered for all dental services?: You are covered only for the services provided under the Plan option you selected. Please refer to your Summary of Dental Plan Benefits for a complete description of the dental services provided by this Plan. Please read them carefully. For a complete listing of Exclusions and Limitations, refer to your Certificate of Coverage or master Policy.
Are these dental plans available in every state?: No, these plans of dental insurance are NOT currently available to residents of the following states:
*PLAN A: AK, CO, HI, MT, NE, NV, NY, ND, VT, WA
*PLAN B: AK, CO, HI, MT, NE, NV, NY, ND, VT, WA
What is the benefit year maximum?: The benefit year maximum is the maximum amount payable for all Covered Dental Charges in any benefit year as shown in the Coverage Schedule. The Benefit Year Maximum will apply to each insured person.
Is there any kind of waiting period?: Yes, all Certificate Holders (and their Dependents, if covered above) will be eligible for coverage for Class II Benefits 6 months following the effective date of the Certificate Holder or Dependent.; All Certificate Holders (and their dependents, if covered above) will be eligible for coverage for Class III Benefits 12 months following the effective date of the Certificate Holder or Dependent.; All Dependents under age 19 (if covered above) will be eligible for coverage for Class IV Benefits 24 months following the date the dependent enrolled.
Is a benefit year based on a calendar year?: No, the benefit Year is based on a 12-month period beginning with the covered person’s effective date.
Do these plans cover orthodontic services?: Yes, the plans cover orthodontic services for dependent children to the age of 19. The 24-month waiting period applies.
May I choose any dentist?: Yes, you are free to choose any Dentist, as long as the Dentist is licensed to practice dentistry in the state or country in which you receive care.
Will RLHICA send payment to the Dentist, or will I receive payment?: RLHICA will either send payment to you or directly to the dentist if you have assigned benefit payments to the dentist who rendered the covered services.
What if I decide to cancel my policy?: The primary insured may cancel his or her coverage with written notice received 31 days prior to the next billing cycle. Any and all future payments will be discontinued. We will not refund any portion of payments collected before receipt of cancellation.
What are the plan's benefits, exclusions and limitations?: Click Here to read Benefits, Exclusions and Limitations.