Comprehensive dental coverage for preventive care and major procedures

450,000+ participating dental provider access points nationwide1

Enhanced benefits for high-risk conditions and in-process orthodontic treatments

Simple online portals for easy administration and employee access

Seamless bundling with vision, life and disability plans

The Value of Dental Coverage

For employers, dental insurance is an important benefit that may have a surprisingly strong return on investment.

  • Regular visits to the dentist can help detect serious health conditions like heart disease and diabetes early, which may help employers save on long-term healthcare costs.2
  • Lost productivity time due to untreated dental disease costs the US $45 billion in lost productivity each year.3
  • Dental benefits can help you attract and retain talent in a tight labor market.4

Quality Dental Care That Goes Beyond the Basics

We believe going to the dentist should be easy and convenient. With coverage for preventive care like routine exams and cleanings or dental procedures such as crowns and implants—our flexible dental plans will keep your team smiling.

Every group dental plan includes:

  • More choice and value. National and regional PPO networks with 450,000+ participating dental provider access points nationwide.1
  • Flexibility to visit a dentist outside the nationwide PPO network.
  • Guaranteed fee acceptance eliminates balance billing when visiting Renaissance network dentists.
  • Enhanced coverage for members with certain high-risk medical conditions.
  • Orthodontic maximum reset pays for in-process orthodontic treatments regardless of coverage from your previous carrier.
  • Online portals make it easy to manage benefits – for both plan administrators and enrollees.
  • Easy bundling. Add vision, life and disability coverage to any dental plan.
  • Phenomenal claims processing. 99% of dental claims processed within 10 days.1

Offer Renaissance Benefits

Renaissance Group Dental Plans

Renaissance offers a variety of dental plans designed to meet the unique needs of your business and support the health of your employees. In addition to customized coverage options available on a contributory or voluntary basis, we also offer cost-saving dental plan enhancements. These include our Major Services Guarantee, Early Ortho Max Extender, and Vanishing Deductible — all designed to help manage dental costs while encouraging preventive care and overall well-being. Contact us today to explore your options and get started with a plan that works for you.

Reward Plan

The Renaissance Reward plan provides voluntary dental coverage with NO waiting periods and increasing benefits over three years.

Overview and Features

The Renaissance Reward Plan allows you to offer valuable dental coverage to employees on a voluntary basis, with no minimum employer contribution requirements. Plus, our escalating benefit design promotes the value of maintaining good oral health practices year after year.

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. The Renaissance PPO network includes 450,000+ participating dental provider access points nationwide.1
  • Preventive care. Cleanings and routine check-ups are 100% covered.

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
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 (up to age 19)

 0% 0% 50%
Orthodontic Lifetime Maximum Not Covered Not Covered $1,000
Orthodontic Deductible Not Covered Not Covered $50

Deductible and Maximum Payment
Annual Max

applies to Diagnostic & Preventive, Basic and Major Services

 $750 $1,000 $1,500
Annual 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

NOTES:  These 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 and 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.

Flex Plan

Our FLEX plan allows employees to choose what they value most: more extensive coverage or more provider choice.

Overview and Features

With the Renaissance FLEX dental plan, employees can choose from two plan options at one affordable rate.

  • Voluntary or employer-paid, starting at five eligible lives.
  • During enrollment, members select the plan option that best meets their needs
  • Members can switch between plan options at the end of each benefit year.
  • Identical premium rates for either plan option.
  • Affordable preventive care. Cleanings and routine check-ups are 100% covered.
FLEX Plus FLEX Basic
Plan Coverage Superior plan coverage 100/100/60 Traditional plan coverage of 100/80/50
Network 450,000+ participating dental provider access points nationwide1

Out-of-network payments based on PPO in-network rates

 Visit any dentist nationwide

Out-of-network payments based on Usual, Customary and Reasonable (UCR) charges
Savings Lowest out-of-pocket costs when seeing a participating network dentist Flexibility to see any dentist with great coverage in- or out-of-network

Dental Benefit Highlights FLEX Plus FLEX Basic
Plan Pays Plan Pays

Diagnostic and Preventative Services
Diagnostic and Preventive Services

includes exams, cleanings, fluoride and space maintainers

 100% 100%
Brush Biopsy

to detect oral cancer

 100% 100%
Radiographs

X-rays

 100% 100%
Sealants

to prevent decay of permanent molars

 100% 100%

Basic Services
Emergency Palliative Treatment

to temporarily relieve pain

 100% 80%
Periodontic Services

to treat gum disease

 100% 80%
Endodontic Services

root canals

 100% 80%
Oral Surgery Services

extractions and dental surgery

 100% 80%
Minor Restorative Services

fillings

 100% 80%
Other Basic Services

miscellaneous services

 100% 80%

Major Services (12 month waiting period)
Re-lines and Repairs

to bridges, implants and dentures

 60% 50%
Major Restorative Services

crowns

 60% 50%
Prosthodontic services

bridges, implants and dentures

 60% 50%

Orthodontics
Orthodontic services

braces (up to age 19)

 50% 50%

Maximum Payments
Annual maximum payment

applies to Diagnostic & Preventive, Basic, and Major Services

 $1,500/person $1,500/person
Lifetime maximum

orthodontics

 $1,500/person $1,500/person

Annual Deductible
Annual deductible (enrollee/family maximum)

applies to Diagnostic & Preventive, Basic, and Major Services

 $50/$150 $50/$150

Allowed Amounts
Allowed amount

in-network providers

 PPO Fee PPO Fee
Allowed amount

out-of-network providers

 PPO Fee 90th percentile based on Usual, Customary and Reasonable (UCR) charges

NOTES:  These 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 and limitations. 

Triple Advantage (Nevada only)

Enjoy dental coverage any way your employees want with our Triple Advantage plan. Employees benefit from a unique 3-in-1 plan that provides excellent savings, wide selection and the flexibility to choose any dentist.

Overview and Features

Features

  • Affordable preventive care. Cleanings and routine check-ups are 100% covered.
  • Three ways to save. With Elite, PPO, and out-of-network coverage options, employees can choose the dentist and savings that fit their needs and budget.

 

Diagnostic and Preventive Services HIGH

Elite / PPO / OON

 MEDIUM

Elite / PPO / OON

 LOW

Elite / PPO / OON
Plan Pays Plan Pays Plan Pays

Diagnostic and Preventive Services
Diagnostic and Preventive Services

includes exams, cleanings, fluoride and space maintainers

 100% 100% 100%
Brush Biopsy

to detect oral cancer

 100% 100% 100%
Sealants

to prevent decay of permanent teeth

 100% 100% 100%
Radiographs

bitewing X-rays, full mouth X-rays, all other X-rays

 100% 100% 100%

Basic Services
Emergency Palliative Treatment

to temporarily relieve pain

 100/80/80 90/60/60 80/50/50
Periodontal Maintenance

cleanings by a specialist

 100/80/80 90/60/60 80/50/50
Simple extractions

non-complicated extractions

 100/80/80 90/60/60 80/50/50
Minor Restorative Services

fillings

 100/80/80 90/60/60 80/50/50
Other Basic Services

miscellaneous services

 100/80/80 90/60/60 80/50/50

Major Services (12 month waiting period)
Periodontic Services

to treat gum disease

 80/50/50 60/40/40 50/25/25
Endodontic Services

root canals

 80/50/50 60/40/40 50/25/25
Oral Surgery Services

complex extractions and dental surgery

 80/50/50 60/40/40 50/25/25
Major Restorative Services

crowns

 80/50/50 60/40/40 50/25/25
Prosthodontic Services

bridges, implants and dentures

 80/50/50 60/40/40 50/25/25
Relines and Repairs

to bridges and dentures

 80/50/50 60/40/40 50/25/25

Additional

  
Calendar Year Maximum—per person $1,500
Calendar Year Deductible—per person / per family $50/$150
Allowed Amounts—elite / ppo / out-of-network Elite / PPO / Elite

NOTES:  These 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 and limitations.

Renaissance Dual Choice (PPO and DHMO)

Renaissance offers Dual Choice, a dental PPO or DHMO plan option that allows employers in Florida and Texas to provide flexible dental coverage. In today’s diverse workforce “one size fits all” plans can be limiting. Having the flexibility to select either plan option gives employees the value of choice.

How It Works:

Upon enrollment employees choose the plan option that best fits their needs.

  • Ren PPO—valuable network discounts and the flexibility to visit any licensed dentist.
  • Ren DHMO—network-based plan, offering savings on dental procedures at a lower premium cost.
  • Each benefit year, employees have the flexibility to switch plans to meet their coverage or cost needs.

PPO Plan Features

PPO underwritten by Renaissance

Renaissance offers a traditional PPO plan option that’s flexible with valuable savings for employees and their family members.

PPO Plan Features:

  • PPO network with 450,000 dental access points1
  • Employer-paid or voluntary
  • BrushTest®, an oral cancer screening
  • Lifetime orthodontic reset
  • Evidence-based benefits to enhance coverage for members with chronic conditions
  • Exceptional customer service and support

DHMO underwritten by Solstice Benefits, Inc.

The DHMO option is designed to reduce out-of-pocket costs while keeping families healthy at a lower monthly premium rate than a traditional dental PPO plan.

DHMO Plan Features:

  • Flexibility to visit any licensed dentist in the expansive DHMO provider network.
  • Roster Free! Change DHMO providers anytime.
  • No deductibles, annual maximums or wait periods.

Download Benefit Highlights

You and your employees can find a PPO dental provider or eye doctor through the Renaissance online provider search. You can find a Solstice DHMO Providers at the Solstice website.

PPO Dental:

For Solstice DHMO Members:

  • Find a Solstice DHMO Provider at the Solstice website
  • Select Product From Menu: “Dental”
  • Select Plan From Menu: “S100, S200B, S500B, S700B Or S800B”
A professional woman stands in her office doorway, smiling with her arms folded across her chest.

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