LifeSmiles
What are LifeSmiles Plans?
Our LifeSmiles plans offer individuals dental and vision plans to help maintain a healthy lifestyle. Plus, individuals can add a hearing discount for a contemporary approach to your health and wellbeing.
Option 1: Standalone Dental or Vision
Option 2: Dental and Vision Bundle
Option 3: Dental, Vision and Hearing Discount bundle
LifeSmiles Plan Highlights
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Renaissance dental plans provide widespread access to care: Renaissance combines national and regional networks to provide over 300,000 dental access points for maximum choice and value. 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.
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Renaissance Vision coverage: Our partnership with VSP provides a complete 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.
- No waiting periods on Diagnostic & Preventive services
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Hearing Discount: Save on hearing services and products – such as hearing aids – helping individuals can 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. Individuals can find a participating dentist, check benefits and amounts used toward maximums or deductibles, print ID cards and more.
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 | 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, other x-rays | 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 | ||||
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.
LifeSmiles offers product bundles which include insured dental and vision plans along with a hearing discount on hearing devices.* Through our partnership with Eargo, individuals can obtain:
- Hearing checks done completely remote at no cost, regardless if the member purchases hearing devices (at a discounted price).
- Discounts on hearing devices that are rechargeable.
- Adjustments to the hearing device through the Eargo app or through remote adjustments made by an Eargo hearing care professional.
- Professional, lifetime support.
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*Renaissance Internal Data, 2021
Products and services may not be available in all states and jurisdictions.
* Hearing discount program, products and discounts described herein are not provided by Renaissance and are NOT insurance or managed care products.
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.