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sample of covered services |
benefit level |
|||
PLAN A |
PLAN B |
|||
preventive & diagnostic
• Oral Exams & Cleanings |
100% |
50% |
||
basic dental services
• Fillings & Restorative Services |
50% |
50% |
||
After 12 month waiting period: |
||||
major dental services
• Crowns |
50% |
50% |
||
annual deductible (per insured - applies only to basic & major services only) |
$50 |
$50 |
||
annual maximum (per insured) |
$1000 |
$850 |
||
STANDARD INSURANCE PLAN “A”
You’ve worked hard to to reach retirement and you’re looking forward to spending more time doing the things
you love. But after years of receiving the company’s dental plan, you are now faced with the challenge of finding similar benefits at a premium you can afford. Well rest assured, Encore DentalSM Plan A was specifically designed with you in mind. With guaranteed acceptance and the flexibility to use your trusted dentist, Plan A will keep that smile on your face and provide you with the peace of mind to enjoy your retirement.
COMPARABLE TO EMPLOYER BENEFITS
You never thought you’d admit it, but there are a couple of things you miss about your 9-to-5 job. The friends, the paycheck and of course the peace-of-mind of the company health and dental plan. With Plan A, you no longer have to sacrifice quality dental benefits just because you’re retired. Plan A offers you comparable dental benefits for as little as $1 a day. So, while it might not be possible to make your smile any bigger, you can now affford to keep it bright and healthy.
STAY WITH YOUR own TRUSTED DENTIST
Flexibility and convenience are an important part
of every Encore DentalSM Plan. So, feel free to stay with your current dentist. This is the expert you are most comfortable with and is most familiar with your dental health. Plan A has been designed to make it easy for you to stay with your existing dentist, while also giving you the option at any time to switch to one of the plan’s over 80,000 network provider locations for even greater benefits. You never need "permission" or a referral. To see if your dentist is part of the plan’s network, click here.
up to 100% of preventive care
We understand the value and importance of consistent dental hygiene, cleanings and exams. Everybody wins with good preventive care. The early diagnosis of issues before they get bigger can save money, time and discomfort. That is why Plan A covers up to 100% of preventive and diagnostic services including oral exams, cleanings and x-rays with no deductible for these services. Now that should put a smile on your face.
guaranteed acceptance regardless of current health
That’s right. With Encore DentalSM your acceptance is guaranteed, which means that your coverage for preventive and basic care will start immediately. After 12 months, your coverage for major dental work like root canals and crowns - expensive procedures that typically cost hundreds of dollars - will kick in. With Plan A you receive benefits up to 50% on these services, which means you can significantly reduce your dental bills and focus on the more important things...like smiling.
no claim forms or paperwork
Retirement is suppose to be a relaxing time. You have much better things to do with your time than to submit claim forms and fill out time consuming paperwork. When you use one of the over 80,000 dentist locations that make up our plan’s network, you will never need to submit claim forms or paperwork. The plan’s network providers will take care of that for you. You simply
walk in, get the dental services you need, and then walk out with the benefits and convenience afforded every Encore DentalSM policy/certificate holder.
covers over 300 dental prodecures
Plan A includes up to 100% coverage on preventive and diagnostic services (including check-ups, cleanings and x-rays) as well as up to 50% on basic dental work (such as fillings) – with no waiting period! And after 12 months, you'll have coverage for major dental work like root canals and crowns - expensive procedures that typically cost hundreds of dollars. With Plan A you'll receive up to 50% coverage for these services.
meets needs as well as budgets
We recognize that your needs are as unique as your lifestyle. 
That is why we also offer Standard Insurance Plan B, a sister program to Plan A, that allows you to reduce your monthly premium by giving you the option to choose a different level of preventive coverage and annual benefit maximum. Coverage for basic care and major care remains the same (see benefit chart for comparison). Perfect for budget conscious consumers, Plan B offers quality service and care at a reduced premium.
control out of pocket expenses
The Encore DentalSM plans already offer you coverage at an affordable rate. But our commitment to helping you reduce the premium of your dental coverage extends even further. Now, if you schedule your monthly premium to be paid through your debit card, credit card or automatic bank deduction, we’ll discount your premium 10% (7% in FL). Now, that should put a smile on your face.
