General Questions About Individual Coverage
The benefit period maximum is the maximum dollar amount Renaissance will pay for covered dental services in the benefit period. Once an individual has reached the benefit period maximum, no further payments will be made by Renaissance until the next benefit period.
An individual and family deductible is the out-of-pocket amount a person and/or family must pay toward covered services (if any) before Renaissance begins paying for services. The amount of the deductible varies depending on the plan you select.
The annual maximum benefit is the highest amount your insurance will pay for covered services in a plan year. Once this limit is reached, you would be responsible for any additional costs for the remainder of the year.
The annual maximum benefit varies by plan. For example, the Bright Plan offers a $1,000 maximum, the Shine plan has a $2,000 maximum and the Radiate Plan offers up to $1,200 depending on the specific plan option/year.*
*Plans may not be available in all states or jurisdictions. Contact Renaissance for additional detail regarding availability.
You can easily manage your benefits, find a participating provider, check your coverage and print ID cards through our online portal.
Questions About Active Lifestyles Plans
Coverage varies based on which plan you’re enrolled in.* Our Bright Plan covers Diagnostic and Preventive services, like cleanings and exams, and Basic dental services, like fillings and extractions. Our Shine Plan covers Diagnostic and Preventive services, Basic services, as well as Major dental services like crowns and root canals with a $2,000 annual maximum. Whereas, the Radiate Plan covers Diagnostic and Preventive services, Basic services, as well as Major dental services with a graduated maximum of $800/$1,000/$1,200 that increases each year for the first 3 years.
For details, visit the Active Lifestyles plans page and review the Dental Coverage information.
* Plans may not be available in all states or jurisdictions. Contact Renaissance for additional detail regarding availability.
The annual maximum benefit is the highest amount your insurance will pay for covered services in a plan year. Once this limit is reached, you would be responsible for any additional costs for the remainder of the year.
The annual maximum benefit varies by plan. For example, the Bright Plan offers a $1,000 maximum, the Shine plan has a $2,000 maximum and the Radiate Plan offers up to $1,200 depending on the specific plan option/year.*
*Plans may not be available in all states or jurisdictions. Contact Renaissance for additional detail regarding availability.
Our hearing discount program provides significant savings on hearing aids and related services, helping you maintain your hearing health affordably.1
The range of discounts under the program may vary depending on the providers and services received. The program does not make payments to providers for services received under the program. Program members must pay for all services but will receive a discount from providers who have contracted with the program.
You can visit any licensed dental or vision provider, but you’ll save the most by choosing one that’s within our extensive network. Want to see if your preferred provider is in our network?
There are no waiting periods for Diagnostic and Preventive services. Some basic and major services may have a waiting period, depending on the plan.
Questions About Dental Insurance
Yes, dental insurance can be beneficial, even if you have good oral health. Regular check-ups, cleanings, and preventive care are important to maintaining oral health and those services are typically covered by dental insurance. Regular visits to the dentist help catch potential issues early and can prevent costly treatments in the future. Dental insurance helps provide financial protection against unexpected dental problems or emergencies that could arise. Additionally, dental exams can also detect more than 120 signs and symptoms of other non-dental disease that may indicate health issues elsewhere in your body.*
* James W. Little et al., Dental Management of the Medically Compromised Patient (St. Louis: Mosby, 2012).
Individual or family dental insurance from Renaissance helps you and your loved ones access essential dental care without the burden of high out-of-pocket costs. Regular dental check-ups and treatments are crucial for maintaining overall health, and having insurance helps cover expenses for routine cleanings, exams, fillings and more. By investing in a dental insurance plan, you can prevent minor issues from becoming major problems and keep your family’s smiles healthy and bright. Renaissance Benefits offers flexible plans tailored to meet the specific needs of individuals and families, providing peace of mind and financial protection.
Dental insurance works by covering a portion of your dental care costs, helping you manage and reduce out-of-pocket expenses. When you purchase a dental insurance plan, you pay premiums, oftentimes on a monthly basis. In return, the insurance covers diagnostic and preventive services like cleanings and exams, as well as a percentage of costs for procedures like fillings, crowns and root canals. Most plans have a network of preferred providers, allowing you to choose from a list of dentists who offer services at negotiated rates that are typically lower than rates you would pay without insurance. By using Renaissance dental insurance, you can maintain good oral health without the financial stress, helping to ensure you receive the care you need when you need it.
Using an in-network dentist typically means lower out-of-pocket costs and streamlined billing processes, so it’s beneficial to verify your dentist’s status to maximize your benefits with Renaissance. To find out if your dentist is in-network, you can follow these simple steps:
Search Providers: Use our “Find a Provider” tool. Enter your location and your dentist’s name to see if they are listed as an in-network provider.
Call Customer Service: Employer group dental plan members, call 800-894-4532 if you have questions regarding dentist participation. Individual dental plan members, call 888-791-5995 to find a participating dentist.
Check with Your Dentist: Ask your dentist’s office directly if they participate in the Renaissance Benefits network. They often have this information readily available and can confirm their status.
A deductible in dental insurance is the amount you pay out-of-pocket for dental services before your insurance plan begins paying for services. The deductible varies depending on the plan you have selected. For example, if your plan has a $50 deductible, you must pay $50 toward your dental care expenses before Renaissance Benefits starts paying for covered services. Deductibles are typically applied annually, meaning you will need to meet the deductible amount each year before your insurance coverage begins paying for covered services. Please refer to your Renaissance policy documents for specific information about your deductible.
A premium in dental insurance is the regular payment you make to maintain your coverage. This payment can be made monthly, quarterly, or annually, depending on your plan. The premium ensures that you and your family remain covered under the dental insurance policy provided by Renaissance, allowing you access to preventive care and other dental services at reduced costs. Please refer to your Renaissance policy documents for specific information about your premium.
Yes, preventive services such as cleanings and exams are typically covered by dental insurance plans from Renaissance. These services are often covered at 100%, meaning you won’t have to pay out-of-pocket for routine preventive care, which helps maintain your oral health and catch potential issues early. Please refer to your Renaissance policy documents for specific information about what your plan covers.
With most Renaissance Dental plans, there are no waiting periods for Diagnostic and Preventive services, so those services may be accessed on or after the effective date of coverage. Some plans may have waiting periods for certain types of services. For instance, fillings, crowns, dentures, and other repairs or major services may require a waiting period. Please refer to your Renaissance policy documents for specific information about eligibility and what your plan covers.
Yes, you can purchase dental insurance on its own without having to bundle it with health insurance. Renaissance offers standalone dental insurance plans that provide comprehensive dental coverage for you and your family.
Yes, Renaissance offers dental insurance plans to cover your entire family. You can add your spouse/domestic parter and children to your policy. This ensures your family members have access to the dental care they need to maintain healthy smiles.
A network dentist is a dental care provider who has a contract with one of our network partners to provide services at pre-negotiated rates. Using a network dentist helps you save more money. In-network dentists agree to lower fees for covered services, which means lower out-of-pocket costs for you. Additionally, choosing a network dentist simplifies the billing process, as the dentist handles the insurance claims directly with Renaissance Benefits.
To find out if a procedure is covered, ask your dentist to submit a request for a pre-treatment estimate to Renaissance. This estimate will provide detailed information about what your insurance will cover and any out-of-pocket costs you may incur. Learn more about pre-treatment estimates here.
You are free to choose any licensed dentist; however, you may save more money by visiting a dentist that participates with one of our network partners. In-network dentists offer services at pre-negotiated rates, which can significantly reduce your out-of-pocket expenses. To find participating dentists, visit our Find a Dentist provider search.
To find the right dental insurance plan for your needs:
Assess Your Needs: Determine what types of dental services you and your family use most frequently.
Compare Plans: Look at the different plans offered by Renaissance, comparing coverage options, premiums, deductibles and out-of-pocket costs.
Check Provider Networks: See an in-network dentist to maximize your benefits.
Evaluate Benefits: Review the specifics of preventive care, basic treatments, and major procedures covered by each plan.
Consult a Representative: Speak with a Renaissance representative for personalized guidance and recommendations.
Please visit our purchasing guide for more information.
With Renaissance Dental plans, you may visit any licensed dentist. However, you may save more money if you visit a dentist that participates with one of our network partners. Use our “Find a Provider” tool to check if your dentist is in our network. If your dentist is out-of-network, you can still see them, but you may have higher out-of-pocket costs.
Yes, you can purchase dental insurance from Renaissance if you have Medicare. And, even if you have a Medicare Supplement Plan or Medicare Advantage plan, it may not offer the dental coverage you need. Whether it is preventive care like routine exams and cleanings or dental procedures such as fillings, crowns and implants, Renaissance is dedicated to making sure you receive access to dental care for substantially less.
A waiting period is the length of time an individual is required to wait until they are eligible for coverage for certain dental procedures. The waiting period begins on the effective date of coverage for dental benefits. The date of eligibility is the date you are eligible to receive benefits, or signals the end of the waiting period.
The following credit cards are accepted: VISA, American Express, MasterCard and Discover.
Renaissance individual plans cover 100% of the allowed amount for diagnostic and preventive services, including cleanings, when visiting a network provider.
Renaissance subscribers can receive expert dental care when they are outside of the United States through the AXA Assistance worldwide referral network of dentists and dental clinics. When outside of the United States, call AXA Assistance collect at 312-356-5972 to receive a referral through an English-speaking operator.
Questions About Vision Insurance
Renaissance has partnered with VSP® Vision Care to administer its vision benefits. VSP has one of the largest national networks of independent doctors and more than 120,000 vision care access points.* This partnership allows Renaissance to provide comprehensive vision plans tailored to individual, family, and group needs.
*VSP internal data
Three out of four adults require some kind of vision correction.* Vision insurance helps manage the cost of routine eye care, such as exams, glasses, and contact lenses. It also promotes proactive eye health by encouraging regular checkups, which can detect early signs of eye conditions or other health issues.** By investing in vision insurance, you safeguard your vision and overall well-being, often at an affordable cost.
*2017 National Vision Plan Member Research.
** AOA.org, See the Full Picture of Your Health with an Annual Comprehensive Eye Exam
Individual and family vision insurance plans usually cover routine eye exams, prescription lenses (glasses or contacts) and discounts on frames. Some plans may also cover specialized lenses, such as progressive lenses and provide discounts on corrective surgery like LASIK.
Vision insurance plans often cover routine eye exams, prescription lenses, frames and contacts. They may also offer additional benefits such as discounts on LASIK surgery, coverage for progressive lenses, and access to a broader network of eye care providers, making them a comprehensive option for employee health benefits. Individual and group coverage operate similarly, but for group coverage, employees may pay some or all of the premium, with the employer covering the balance.
Vision insurance generally is not included in standard health insurance plans and is often offered as a separate add-on. While health insurance may cover eye-related medical conditions, routine vision care like eye exams and corrective lenses usually require a dedicated vision insurance plan.
A vision insurance premium is the monthly amount you pay to maintain your vision insurance coverage. This payment allows you to access benefits like discounted eye exams, eyewear, and other vision-related services, helping you and your family manage the costs of maintaining good eye health.
Yes, annual eye exams are typically covered by vision insurance plans. These exams are essential for monitoring eye health and updating prescriptions for glasses or contacts. The coverage may include a copay, depending on your specific plan.
Most vision insurance plans encourage you to have a routine eye exam once every 12 or 24 months. This helps monitor your vision health as well as your overall health and if you wear glasses or contact lenses, it helps keep your vision correction prescription up to date. Review your specific policy to confirm how often exams are covered.
Yes, Renaissance offers vision insurance plans that can cover your entire family. Our plans are designed to provide comprehensive eye care to help provide your family with access to the vision services they need. From routine eye exams to corrective lenses, our family plans help keep your loved ones seeing clearly.
You may begin using your vision insurance benefits on your benefits effective date.
Renaissance vision plans offer flexibility with a broad network of providers, so there’s a good chance your current eye doctor is included. If your doctor is outside the network, you may still be able to receive care, though your out-of-pocket costs may be higher. We encourage you to check our provider network to see if your preferred doctor is included.
A vision network is a group of eye care providers who have agreed to offer services at reduced rates for members of a specific vision insurance plan. Choosing a provider within the network can help you maximize your benefits and minimize out-of-pocket expenses. It’s an essential part of making the most out of your vision insurance.
Yes, vision insurance is valuable even if you have good eyesight. Regular eye exams can detect early signs of health issues such as diabetes, high blood pressure, and glaucoma, which may not have obvious symptoms initially.* Additionally, vision insurance often covers a portion of the cost for eyewear, should your needs change over time. It’s a proactive step towards maintaining your overall health and preparing for future vision care needs.
*Klunk, Elizabeth. “Comprehensive managed vision care is more than mere ‘medical management.’” MedCity News, Sept. 2019.
A copay is a fixed amount that you pay to the doctor’s office when receiving vision services. It is typically due upon receiving the service and varies by plan.
Yes, you can still purchase a Renaissance vision insurance plan even if you have Medicare. Our vision plans can complement your existing coverage, offering additional benefits that may not be included in government programs or other insurance plans. Vision insurance can help you maintain your eye health and routine exams can detect other health issues too.*
*Klunk, Elizabeth. “Comprehensive managed vision care is more than mere ‘medical management.’” MedCity News, Sept. 2019.
