Dental, Vision & Hearing InsuranceA plan with choices for you and your family
Protect Your Smile...
and Smile Brighter!
Protect Your Sight...
and See Clearer!
Protect Your Hearing...
and Hear Better!
The Importance of Dental • Vision • Hearing
 Quality of Life-
Unforeseen situations that are painful, inconvenient and expensive
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Protection of your assets
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Basic Medicare does not cover dental, vision or hearing expenses.
Please note:
We have recently filed for a 2019 new business and inforce rate increase for our Dental, Vision and Hearing product. For new business, the following states will reflect new rates (10% increase unless noted):
Effective February 1st: Alabama, Arkansas, Arizona, Georgia, Illinois, Kansas, Kentucky, Louisiana, Mississippi (7.4%), Montana, North Dakota, Nebraska, Oklahoma, Oregon, South Carolina, South Dakota, Texas, Wisconsin and West Virginia.
Effective Feb 5th: Michigan and New Jersey
Please note that when states approve the requested increase they will be implemented immediately.
For inforce business, please see the chart below
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| February 1 Implementation |
March 1 |
April 1 |
Pending State Review |
Alabama
Montana
Oregon
Wyoming
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Arizona
Georgia
Illinois
Kansas
Kentucky
Louisiana
Nebraska
Oklahoma
South Carolina
South Dakota
Texas
Wisconsin
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Mississippi (7.4%)
North Dakota
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Arkansas
Delaware
Iowa
Idaho
Maryland
Missouri
North Carolina
New Jersey
Ohio
Tennessee
Utah
West Virginia
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Plan Benefits1
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Eligibility
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Anyone age 18 to 85 years old (NC, NM and VA the maximum issue age is 75) |
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Policy Year Maximum Benefit |
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$1,000 or $1,500 (choose one) |
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Policy Year Deductible
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$100 |
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Dental Coverage
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Preventive Services
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Semi-Annual exams, cleaning and x-rays.
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Year 1 - 60%
Year 2 - 70%
Year 3 - 80%
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Waiting Period
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None
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Basic Services
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Including x-ray (other than “full mouth”), fillings and extractions
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Year 1 - 60%
Year 2 - 70%
Year 3 - 80%
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Waiting Period
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None
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Major Services
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Including bridges, crowns, full dentures or partials,
full mouth extractions, and root canals
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Year 1 - 0%
Year 2 - 70%
Year 3 and thereafter - 80%
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Waiting Period
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12 months
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Vision Coverage (In Florida, this benefit is sold as a Rider)
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Basic eye exam or eye refraction, including the cost of eye glasses or contact lenses
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Year 1 - 60%
Year 2 - 70%
Year 3 - 80%
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Waiting Period
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6 months
on eyeglasses and contact lenses
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Hearing Coverage (In Florida, this benefit is sold as a Rider)
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Exam, hearing aid and necessary repairs or supplies
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Year 1 - 60%
Year 2 - 70%
Year 3 - 80%
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Waiting Period
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12 months
new hearing aids and existing hearing aid repairs
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1 Refer to your policy for a complete description of limitations
and exclusions.
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