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STARMOUNT Dental Insurance

AlwaysCare ONEplus Individual and Family Dental & Vision Plans.

AlwaysCare Dental has been discontinued for individual and family sales as of 08/01/2018. Current policy's will remain active. If you are a current individual or group policy holder or provider and have questions, please contact STARMOUNT Life at: 1-888-400-9304

  • Up to nine fully insured dental plan options depending on your state

  • Optional Vision Insurance coverage for eye exams and materials available for eligible plans

  • National dental network with 270,000+ access points

  • National vision network that includes independent providers and retail chains

  • Hearing Savings Plan and Pharmacy Discount Card at no additional cost to policyholders

  • No Application Fee


PPO Dental Insurance & Fee Schedule Dental Insurance Plans
Call 1-888-400-9304 with Questions

STARMOUNT Dental Plan Options

AlwaysCare Dental Insurance Plan Options

Each plan option pays a percentage of your cost for Preventative, Basic and Major services. The Network option also includes Orthodontic coverage.. The percentage paid and the annual benefit maximum increases according to the chart below.

Plan Options Vary by State
AlwaysCare PPO Plans
Deductible: Maximum 3 per family $50 per year Applies to Basic and Major Services $50 per year Applies to Basic and Major Services $50 per year Applies to Basic Services No Deductible
Benefit Year Maximums: Per person, per benefit year Year 1: $1,000 $2,000 $1,000 $1,000
Year 2: $1,250
Year 3+: $1,500
Coinsurance: Plan pays the following percentages of maximum allowable charges for each class ** Preventative: 100% Preventative: 100% Preventative: 100% Preventative: 50%
Basic: 80% Basic: 70% Basic: 50% Plan covers routine exams and cleanings only
Major: 50% Major: 40%  
Waiting Periods Preventative: None Preventative: None Preventative: None Preventative: None
Basic: None Basic: None Basic: None
Major: 12 Months Major:12 Months  
Additional Features At no additional cost: Hearing and Pharmacy Discount Card
Vision Insurance Optional Optional Optional Included
* Plan availability varies by state.
** If you use an out-of-network dentist, benefits are paid based on the network-negotiated rate, and you may be billed for any remaining amount up to the billed charge.
Preventative Services Include
  • Routine exams and cleanings (2 per 12 months) 1 additional cleaning or periodontal maintenance per 12 months if member is in 2nd or 3rd trimester of pregnancy
  • X-rays Bitewing x-rays (1 per 12 months)
  • Full mouth/panoramic x-rays (1 per 24 months)
  • Children’s services (up to age 16) Fluoride treatment (1 per 12 months) Sealants (1 per 36 months) Space maintainers (1 per 24 months)
  • Adjunctive pre-diagnostic oral cancer screening (for age 40+)
Basic Services Include
  • Simple restorative services (fillings)
  • Simple extractions
Major Services Include
  • Emergency treatment
  • Oral surgery (extractions and impacted teeth) & anesthesia (subject to review, covered with complex oral surgery)
  • Repair of crown, denture or bridge
  • Periodontics
  • Endodontics (root canals)
  • Inlays and onlays
  • Crowns, bridges, dentures and endosteal implants (in lieu of an approved 3-unit bridge)

Optional Vision Insurance

Freedom of Choice

The national vision provider network includes independent optometrists and ophthalmologists, as well as regional and national retail chains (including Walmart Vision Center, Sam’s Club Optical, Costco,† Pearle Vision, Target, Sears, JCPenney and Visionworks). Also, you may choose different providers for
vision exam and materials purchases.

Vision Services (In Network)
Exam (Once per 12 months $15
Materials $20
Standard Plastic Lenses  
(Once per 12 months)  
Single Vision Covered by Co-pay
Bifocal Covered by Co-pay
Trifocal Covered by Co-pay
Lenticular $80 Allowance
Progressive $70 Allowance
Frames (Once per 12 months) Choose any frame available at provider locations $120 retail frame
Contact Lenses (Once per 12 months) (Includes fit, follow-up and materials) In lieu of eyeglass lens & frames $20 co-pay
- Elective Up to $120 retail
- Medically necessary Up to $210 retail

When Does Your Coverage Start?

Your coverage start date is determined by the date the application is received.


  • If your application is received on or before the 25th of the month, coverage will start on the 1st of the next month.
  • If your application is received after the 25th of the month, coverage will start on the 1st of the following month.

The first premium payment will be processed immediately. Future premium payments will be processed automatically between the 2nd and 10th of the month for which premium is due.

About Starmount:

Starmount Life Insurance Company and AlwaysCare Benefits, Inc. provide individual and group ancillary insurance and benefit administration. Together, the two have evolved into one of America’s most innovative and fastest-growing privately owned companies.


NOTICE: This provides a very brief description of some of the important features of the insurance policy. It is not the insurance policy and does not represent it. A full explanation of benefits, exceptions and limitations is contained in your Individual Dental Policy.


AlwaysCare Dental Insurance


Starmount Life Insurance Company

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Yes, you have the freedom to keep your dentist. The Network option is a PPO network. A PPO network allows you to use a network or non network dentist.


With the PPO Network options, if you use a out of network dentist, you might have additional expenses out of pocket.

PPO stands for Preferred Provider Organization. The


The dentists that are in the network are contracted with the network and charge according to a discount fee schedule. This will provide you with a lower cost plan and lower amounts out of pocket.


If you use a dentist that is not in the PPO network, the insurance company will pay just like you are using a network dentist. If the dentist charges more, you may have more out of pocket.

Yes, you can have more than one dental plan. The insurance companies will coordinate benefits to make sure that the two plans combined are not paying the dentist more than the procedure charge.


You can also use a second plan to pick up when the other plan reaches it's annual maximum


If you have a discount dental plan, you can use it with the AlwaysCare Scheduled Fee option. If using the Network option, the discount plan can only be used if your dentist is outside of the PPO network.


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