Active Lifestyles
What are Active Lifestyles Plans?
Our Active Lifestyles plans are dental and vision insurance plans that can help individuals maintain a healthy lifestyle. Plus, there is a hearing discount program1 available to everyone to help promote a holistic approach to health and wellbeing.
Active Lifestyles Plan Highlights
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NO waiting periods on Diagnostic & Preventive services for Dental Insurance
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Renaissance dental insurance provides widespread access to care: Renaissance combines national and regional networks to provide over 400,000 dental access points for maximum choice and value.2 While individuals may save the most money by visiting a dentist in our vast network, they are welcome to visit any licensed dentist in the country. Find a dentist at MyRenProviders.com.
- Renaissance vision insurance coverage: Our partnership with VSP provides a comprehensive solution for vision needs. Our plans have a large selection of eye-wear available, from classic styles to trendy frames, with hundreds of options to choose from. Find a doctor at vsp.com and select the “Find A Doctor” section.
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Hearing discount program¹: Save on hearing services and products, like hearing aids, helping individuals maintain their lifestyle.
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Excellent customer service: Our dedicated customer service representatives are available to address any questions.
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Online assistance: Renaissance members have access to our online portals that allow them to easily manage their benefits information. Find a participating dentist, check benefits and amounts used toward maximums or deductibles, print ID cards and more.
Visit our TPA website to easily onboard and start selling Active Lifestyles today!
To find a participating dentist, visit MyRenProviders.com
Bright PlanEssentials – MAC |
Glow PlanEPO plan (where available) |
Shine PlanHigh Plan – MAC |
Radiate PlanGraduate Plan – MAC |
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| In-network | Out-of-network | In-network | Out-of-network | In-network | Out-of-network | In-network | Out-of-network | |
| Annual Deductible | 0 | 50/150 | n/a | 50/150 | 50/150 | |||
| Deductible Waived P&D | n/a | yes | n/a | yes | yes | |||
| Annual Max | 1000 | 1000 | n/a | 2000 | 800/1000/1200 | |||
PREVENTIVE & DIAGNOSTIC |
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| Exams, Prophy, Bite-wing, Fluoride (child), Space Maintainers, Emer Palliative, Brush Biopsy | 100% | 100% | n/a | 100% | 80% | 100% | ||
BASIC |
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| Waiting Period | 6 months | 6 months | 6 months | None | ||||
| Filings, simple extractions | 50% | 80% | n/a | 80% | 60% | 25/35/50% | ||
| X-rays, sealants, denture repair | X-rays covered at 50%
sealants & denture repair |
80% | n/a | 80% | 60% | 50/65/80% | ||
MAJOR |
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| Waiting Period | None | 12 months | 12 months | None | ||||
| Endo, Perio, Dentures, Implants, Crowns, Bridges, Oral Surgery | Not covered | 50% | n/a | 50% | 25/35/50% | |||
ORTHODONTIA |
Not covered | Not covered | Not covered | 0/25/50% $1,000 max, adult & children |
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OON Eligible Values |
MAC** | Out-of-Network not covered | MAC** | MAC** | ||||
*Plans may not be available in all states or jurisdictions. Graduated Plan not available in Connecticut, Illinois, Montana, New Jersey, New York or Washington. Contact Renaissance for additional information regarding availability.
**MAC=Out-of-network paid at PPO fee schedule
Deductible waived for preventive and diagnostic services.
In “non-differential” states (GA, MS, TX), Out-of-network co-insuance values will match In-Network co-insurance values
To find a participating eye doctor visit VSP.com and select the “Find a Doctor” section.
Our vision coverage—administered by VSP® Vision Care—allows our members to have access to the VSP Choice network. With more than 84 million members and over 100,000 access points nationwide, VSP boasts the largest national network of independent eye doctors.
IN-NETWORK BENEFIT HIGHLIGHTS: |
COPAY |
HIGH PLAN |
LOW PLAN |
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WellVision exam—focuses on eyes and overall wellness |
$10 |
Annual |
Annual |
PRESCRIPTION GLASSES AND LENSES |
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Frames—$120 allowance; 20 percent savings on amount over allowance |
$25 |
Annual |
Every 2 years |
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Lenses—single, lined bifocal and trifocal. polycarbonate for dependent children Note: high plan includes progressive lenses for additional $10 co-pay |
Annual |
Annual |
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Contacts (instead of glasses)—$120 allowance; copay does not apply. Contact lens exam (evaluation and fitting) |
Annual |
Annual |
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Note: The vision benefit overview represents coverage for in-network doctors ONLY. Out of network benefit details available upon request.
Through our partnership with Amplifon, individuals can obtain a hearing discount program that offers discounts on hearing devices.
• Risk-free trial – find your right fit by trying your hearing aids for 60 days
• Follow-up care – ensures a smooth transition to your new hearing aids
• Battery support – two-year battery supply or charging station to keep you powered
• Warranty – three-year coverage for loss, repairs, or damage
*Renaissance Internal Data
¹The hearing discount program, products, and discounts described herein are provided by Amplifon, are not provided by Renaissance, and are not insurance or managed care products. 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. Renaissance and Amplifon are separate legal entities with no ownership affiliation. Renaissance makes no warranties or representations (expressed or implied) and assumes no legal liability as responsibility for the information, products or services provided by Amplifon.
Products and services may not be available in all states and jurisdictions.
VSP and WellVision Exam are registered trademarks, VSP Primary EyeCare Plan is a servicemark of Vision Service Plan.
Underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Life & Health Insurance Company of New York, Binghamton, NY. Both companies can be reached at PO Box 1596, Indianapolis, IN 46206.