LTCC
is a trademark of Long Term Consumer Care, Inc. All other
products mentioned are registered trademarks of their respective
companies.
The Elite
Dental Plan is an
insured dental plan that paysfor the services your family needs
to maintain good oral health! It is
affordable because it focuses on
providing the dental insurance benefits
that you and your family need, not on
benefits you may never use!
Everyone
is accepted and there are No
Deductibles , Office Co-Pays or Benefit Waiting Periods,
so you and your family can start using
the dental benefits right away.
The
Elite Dental Plan Utilizes
the DenteMax Network
Insured
Dental Services - Paid 100%
(Benefits are Per Person)
Periodic
Oral Exam (Office Visit)
Plan
Pays 100%*
Twice
Per Year / Person***
Prophylaxis
(Teeth Cleaning)
Plan
Pays 100%*
Twice
Per Year / Person***
Bitewing
X-Rays
Plan
Pays 100%*
One
(Two Film) Set Per Year / Person***
Fillings
- Resin-Based Composite
Plan
Pays 100%*
One
Filling Per Year / Person***
Note:
The Annual Maximum for the
services listed above
is $1,000 per person.
Additional services include
network discounts and can be
used as often as needed.
Save
on all other dental services
with network discounts ranging
from 20% - 50%
Full
Mouth X-Rays - Average
Savings: 42%**
The
Elite Dental Plan
includes a 30 Day
Money Back
Guarantee. You
can also cancel your
dental insurance at
any time - No
Questions Asked.
Additional
Fillings - Average
Savings: 32%**
Root
Canals - Average
Savings: 34%**
Surgical
Extractions - Average
Savings: 31%**
Crowns
- Average
Savings: 27%**
Upper
Denture - Average
Savings: 48%**
Orthodontics
/ Braces - Average
Savings: 20%**
*
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.
** Active Members
will enjoy
discounts, on
average 20% to 50%
off standard fees,
on other covered
dental procedures
when you see a
participating
DENTEMAX 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.
Please
Note: When
using a network
provider, the
dental insurance
plan pays 100% for
two Exams per year,
two Cleanings per
year, one 2 film Bitewing
X-Ray per year and
one Composite
Filling per year Per
Person.
The sample schedule
above, includes the
most common dental
procedures.
Nearly all other
services have
substantial network
savings and the
services can be used
as often as needed.
When using a network
dental provider the
amount charged is
automatically
reduced according
to the network fee schedule.
Questions
or to Apply Over the Phone - Call
1-800-544-9505
Additional
Dental Plan Information
No
Deductibles or waiting periods - 30
Day Money Back Guarantee - Cancel at
any time
The
plan will become effective on either
the 15th or 1st of the month
Your
policy and ID cards are sent by mail
- Typically 7-10 days after you
apply
If you
need to use your plan before the ID
cards are received in the mail, you
can use the temporary ID cards that
you will receive by email immediately
after you
apply.
All
insured benefits are per person -
Pre-existing conditions are included
Use
any dentist and change your dentists
as often as you like
The
Elite Dental Insurance plan is
Underwritten By National
Guardian Life Insurance Company
The Elite
dental plan is provided to you through a
group policy (policy form NDNGRP 04/06
IL) issued to Consumer Assistance
Service Association (CASA) and by
National Guardian Life Insurance
Company, Madison WI. National Guardian
Life Insurance Company is not affiliated
with The Guardian Life Insurance
Insurance Company of America, a/k/a The
Guardian or Guardian Life.
. National
Guardian Life Insurance Company
(Rated
A - Excellent by AM Best) for
financial strength.