Renaissance Reward Plan
Your clients know that healthy employees are the key to maintaining a healthy business. Our Reward Plan is a prepackaged product that carries no minimum employer contribution and encourages employees to maintain good oral health each year with an escalating benefit design.
Reward Features:
- Escalating plan design—Annual maximum in year one doubles by year three.
- No waiting periods—Immediate coverage for any included dental service.
- Widespread access to care—The Renaissance PPO network combines leading national and regional networks with more than 300,000 dental access points.*
- Preventive care—Cleanings and routine check-ups are 100% covered.
- Excellent customer service—Our Indiana-based support team answered more than 57,000 phone calls last year, and answered 99% of calls on first contact.*
- MyRenBenefits—Our online member page makes it easy to check benefits information, find a participating dentist, print ID cards and more.
- Vision coverage—Adding vision coverage to your client’s dental plan is affordable and easy to use.
*Renaissance internal data, 2017
| Plan Pays | 1st year | 2nd year | 3rd year |
Diagnostic and Preventive Services | |||
| Diagnostic and Preventive Services exams, cleanings, fluoride and space maintainers | 100% | 100% | 100% |
| Brush Biopsy to detect oral cancer | 100% | 100% | 100% |
| Radiographs x-rays | 100% | 100% | 100% |
Basic Services | 80% | 80% | 80% |
| Sealants to prevent decay of permanent molars | 80% | 80% | 80% |
| Emergency Palliative Treatment to temporarily relieve pain | 80% | 80% | 80% |
| Periodontic Services to treat gum disease | 80% | 80% | 80% |
| Endodontic Services root canals | 80% | 80% | 80% |
| Oral Surgery Services extraction and dental surgery | 80% | 80% | 80% |
| Minor Restorative Services fillings | 80% | 80% | 80% |
Major Services | |||
| Major Restorative Services crowns | 0% | 50% | 50% |
| Prosthodontic Services bridges, implants and dentures | 0% | 50% | 50% |
| Relines and Repairs to bridges, implants and dentures | 0% | 50% | 50% |
Orthodontics | |||
| Orthodontic Services Braces (until 19 years of age) | 0% | 0% | 50% |
| Orthodontic Lifetime Maximum | Not Covered | Not Covered | $1,000 |
| Orthodontic Deductible | Not Covered | Not Covered | $50 |
Deductible and Maximum | |||
| Policy Year Maximum Payment applies to Diagnostic & Preventive, Basic and Major Services | $750 | $1,000 | $1,500 |
| Policy Year Deductible per enrollee/per family per policy year. Applies to all services except Diagnostic & Preventive Services and Orthodontics | $1,000 | $50/$150 | $50/$150 |
Allowed Amounts | |
| In-network/out-of-network | PPO Fee/80th Percentile |
| Rates per subscriber / per month (guaranteed for one year) | Subscriber Only | Subscriber + One Dependent | Subscriber + Family |
Area 1 AL, DC, KY, MS, WV | $26.59 | $51.85 | $77.11 |
Area 2 AR, KS, LA, NC, ND, NE, PA, SC, TN, VA | $29.52 | $57.55 | $85.60 |
Area 3 GA, HI, IA, IN, MD, SD, TX, WY | $32.75 | $63.89 | $95.02 |
Area 4 CO, FL, ME, MN, MO, OH, OK, RI, VT | $36.37 | $70.92 | $105.46 |
Area 5 DE, MA, MI, NY, WI | $40.38 | $78.71 | $117.06 |
Area 6 AZ, ID, NV, OR, UT | $44.81 | $87.37 | $129.91 |
Area 7 NJ | $49.74 | $96.96 | $144.23 |
Note: The above schedule of benefits is meant to be a summary of coverage. Please see the certificate of coverage for a legal interpretation of benefits. Plans not available in Connecticut, Illinois, Montana, New Jersey, New York or Washington.
Underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Life & Health Insurance Company of New York, New York, NY. Both companies can be reached at P.O. Box 1596, Indianapolis, IN 46206
NOTES: Theses summaries are samples of benefits. Policies have exclusions and limitations that may limit coverage. For complete coverage details, please refer to your Certificate of Coverage (Idaho residents, D-ID-1202A v4).
EXCLUSIONS: Cosmetic surgery or dentistry for aesthetic reasons (except reconstructive surgery for children because of congenital disease or anomaly); general anesthesia and/or intravenous sedation; treatment by anyone other than a licensed dentist or dental hygienist; veneers; services related to temporomandibular disorders (“TMD”); prefabricated crowns as final restoration on permanent teeth and paste-type root canal fillings on permanent teeth; appliances, procedures and restorations for increasing vertical dimension, occlusion, tooth structure loss due to attrition, abrasion or erosion, or for periodontal splinting; lost, missing or stolen appliances; services not in the Certificate of Coverage and/or Summary of Dental Plan Benefits.
LIMITATIONS:
Coverage for services may be limited based on the age of the person receiving the services; coverage for certain services may be limited to a maximum number of occurrences during a specified time period (such as two times per year or one time every three years).
The premium rate will vary between plans. The Certificate of Coverage has a term of one year and will automatically renew (upon payment of required premium) unless terminated in accordance with its provisions. Coverage may be terminated for reasons stated in the Certificate of Coverage. Coverage ceases upon termination. Products and services referred to herein may not be available in all states or jurisdictions.
View a full list of Exclusions & Limitations
Note: The above schedule of benefits is meant to be a summary of coverage. Please see the certificate of coverage for a legal interpretation of benefits. Plans not available in Connecticut, Illinois, Montana, New Jersey, New York or Washington.
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 P.O. Box 1596, Indianapolis, IN 46206