Combined Dental & Vision Plans
Add value and protection for you and your family with our combined dental and vision plans.
Bundle Dental & Vision with MAX Choice
Our MAX Choice plans offer our most comprehensive coverage with benefits that increase over time. MAX Choice members also enjoy the added benefit of adding vision coverage administered by VSP® Vision Care for seamless care at an affordable rate.
MAX Choice Plans Feature
- No waiting periods — Immediate coverage for any dental service.
- Renaissance Vision — Easily add vision coverage administered by VSP for seamless care at an affordable rate.
- Convenient access to care — With over 400,000 dental access points nationwide,* both Max Choice and Max Choice Plus plans make it easy to find a dentist.
- Preventive care — Cleanings and routine check-ups are 100% covered.
- Exceptional customer service — Our Indiana-based customer support team answered more than 57,000 phone calls last year, and answered 99% of calls on first contact.*
- MyRenBenefits — Our online member portal makes it easy to check benefits information, find a participating dentist, print ID cards and more.
MAX Choice Plus:
Our most generous (and annually increasing) maximums combined with NO waiting periods make our Max Choice Plus dental plan an excellent choice for any individual or family.
Max Choice Plus saves members the most money when they visit a dentist in the Renaissance PPO network. But if you need to visit a dentist out-of-network, Max Choice Plus also includes the highest level of reimbursement of any Renaissance plan.
| Plan Pays | 1st Year | 2nd Year | 3rd Year |
| Diagnostic and Preventive | 100% | 100% | 100% |
| Basic Services | 40% | 60% | 80% |
| Major Services | 20% | 40% | 50% |
| Orthodontics (up to age 19) | 10% | 25% | 50% |
| Orthodontic Lifetime Maximum | $1,200 | $1,200 | $1,200 |
| Annual Maximum | $1,000 | $2,000 | $3,000 |
| Annual Deductible (per person/per family) | $50/$150 | $50/$150 | $50/$150 |
NOTES: These summaries are samples of benefits. Dental plans have exclusions and limitations that may limit coverage. For complete coverage details, please refer to your Certificate of coverage, D-(state specific abbreviation, if applicable)-3502A v.4.
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; sealants; prefabricated crowns as final restoration on permanent teeth and paste-type root canal filings 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; space maintainers; lost, missing or stolen appliances; services not in the Certificate 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); coverage for orthodontic services is limited.
The premium rate will vary between plans. The Certificate has a term of one year and will automatically renew (upon payment of required premium) unless terminated in accordance with the Certificate provisions. Coverage may be terminated for reasons stated in the Certificate. Coverage ceases upon termination of the Certificate. Products and services referred to herein may not be available in all states or jurisdictions.
MAX Choice
MAX Choice provides the same great coverage as MAX Choice Plus with a traditional annual maximum at an even more affordable price with NO waiting periods. Individuals are encouraged to visit a provider in our nationwide PPO network to maximize their benefits.
| Plan Pays | 1st year | 2nd year | 3rd year |
| Diagnostic and Preventive | 100% | 100% | 100% |
| Basic Services | 40% | 60% | 80% |
| Major Services | 20% | 40% | 50% |
| Orthodontics (up to age 19) | 10% | 25% | 50% |
| Orthodontic Lifetime Maximum | $1,200 | $1,200 | $1,200 |
| Annual Maximum | $1,200 | $1,200 | $1,200 |
| Annual Deductible (per person/per family) | $50/$150 | $50/$150 | $50/$150 |
| Allowed Amounts: In-Network/Out-of-Network | PPO Fee | PPO Fee | PPO Fee |
NOTES: These summaries are samples of benefits. Dental plans have exclusions and limitations that may limit coverage. For complete coverage details, please refer to your Certificate of coverage, D-(state specific abbreviation, if applicable)-3502A v.4.
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; sealants; prefabricated crowns as final restoration on permanent teeth and paste-type root canal filings 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; space maintainers; lost, missing or stolen appliances; services not in the Certificate 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); coverage for orthodontic services is limited.
The premium rate will vary between plans. The Certificate has a term of one year and will automatically renew (upon payment of required premium) unless terminated in accordance with the Certificate provisions. Coverage may be terminated for reasons stated in the Certificate. Coverage ceases upon termination of the Certificate. Products and services referred to herein may not be available in all states or jurisdictions.
MAX Essentials
Essential coverage to keep your customers’ smiles healthy. MAX Essentials fully covers diagnostic and preventive services, including 50% coverage for basic services like fillings.
| Plan Pays | In-Network | Out-of-Network |
| Diagnostic and Preventive | 100% | 100% |
| Basic and Minor Services | 50% | 50% |
| Major Services | 0% | 0% |
| Orthodontics | 0% | 0% |
| Annual Maximum | $750 | $750 |
| Annual Deductible (per person/per family) | $50/$150 | $50/$150 |
| Allowed Amounts | PPO Fee | PPO Fee |
NOTES: These summaries are samples of benefits. Dental plans have exclusions and limitations that may limit coverage. For complete coverage details, please refer to your Certificate of coverage, D-(state specific abbreviation, if applicable)-3502A v.4.
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; sealants; periodontic services (to treat gum disease); endodontic services (root canals); prosthodontics (bridges, implants and dentures), oral surgery services (extractions and dental surgery); relines and repairs (to bridges and dentures); crown and cast restorations (metal and porcelain crowns); coverage for temporomandibular disorders (“TMD”); appliances; procedures and restorations for increasing vertical dimension, occlusion, tooth structure loss due to attrition, abrasion or erosion, or for periodontal splinting; orthodontic services; space maintainers; 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.
Added Value with Vision Coverage
Renaissance has partnered with VSP to offer members the convenience of bundling vision care with their dental coverage for one low, budget-friendly rate.
VSP network doctors deliver personalized care and the best choices in eyewear — all at the lowest out-of-pocket costs.
Renaissance Vision plan features:
- Find the perfect pair of glasses from a wide selection of frames to meet your style and budget.
- Find an eye doctor with one of the largest provider networks in the country.
- Save with exclusive member extras like rebates, special offers and promotions.
| Plan Pays | Copay | Frequency |
WellVision Exam | ||
| Focuses on your eyes and overall wellness | $10 | Annually |
Prescription Glasses | ||
| $25 | See Frame and Lenses | |
Frames | ||
| $130 allowance for wide selection of frames | Included in prescription glasses | Annually |
| 20 percent savings on the amount over your allowance | Included in prescription glasses | Annually |
Lenses | ||
| Single vision, lined bifocal and lined trifocal lenses | Included in prescription glasses | Annually |
| Polycarbonate lenses for dependent children | Included in prescription glasses | Annually |
Lens Enhancements Average savings of 20-25 percent on other lens enhancements | ||
| Standard progressive lenses | $55 | Annually |
| Premium progressive lenses | $95-$105 | Annually |
| Custom progressive lenses | $150-$175 | Annually |
Contacts (instead of glasses) | ||
| $130 allowance for contacts; copay does not apply | Up to $60 (applies to contact evaluation and fitting) | Annually |
| Contact lens exam (evaluation and fitting) | Up to $60 (applies to contact evaluation and fitting) | Annually |
Extra Savings
Glasses and Sunglasses: 20 percent savings on additional glasses and sunglasses, including lens enhancements, from any VSP doctor within 12 months of your WellVision exam.
Contacts: 15 percent savings on a contact lens exam (fitting and evaluation)
Laser Vision Correction: Average 15 percent off the regular price or 5 percent off the promotional price; discounts only available from contracted facilities.
Note: Coverage information is subject to change. In the event of a conflict between this information and the vision insurance policy, the terms of the policy will prevail. Based on applicable laws, benefits may vary by location.
| Coverage With Other Providers | Cost |
Exam | Up to $45 |
Frame | Up to $70 |
Single Vision Lenses | Up to $30 |
Lined Bifocal Lenses | Up to $50 |
Lined Trifocal Lenses | Up to $65 |
Progressive Lenses | Up to $50 |
Contacts | Up to $105 |
Visit www.vsp.com for details, if you plan to see a provider other than a VSP doctor.
Note: Coverage information is subject to change. In the event of a conflict between this information and the vision insurance policy, the terms of the policy will prevail. Based on applicable laws, benefits may vary by location.
NOTES: These summaries are samples of benefits. Policies have exclusions and limitations that may limit coverage. For complete coverage details, please refer to your policy, VINV-100A-[2016]-(state specific abbreviation, if applicable).
EXCLUSIONS: There are no Benefits for professional services or materials connected with: • Orthoptics or vision training and any associated supplemental testing. • Plano lenses (less than a ± .50 diopter power). • Two pair of glasses in lieu of bifocals. • Replacement of lenses and frames furnished under this policy that are lost or broken, except at the normal intervals when services are otherwise available. • Medical or surgical treatment of the eyes. • Necessary Contact Lenses • Corrective vision treatment of an Experimental Nature. • Costs for services and/or materials above stated allowances. • Services and/or materials not indicated in the Policy or Summary of Vision Plan Benefits as covered services. • Refitting of contact lenses after the initial (90-day) fitting period. • Contact lens insurance policies or service agreements. • Additional office visits associated with contact lens pathology. • Services associated with CRT or Orthokeratology. • Contact lens modification, polishing or cleaning • Local, state and/or federal taxes, except where Renaissance or its claims administrator is required by law to pay. • Replacement of lost or damaged contact lenses, except at the normal intervals when services are otherwise available.
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 policy has a term of one year and will automatically renew (upon payment of required premium) unless terminated in accordance with the policy provisions. Coverage may be terminated for reasons stated in the policy. Coverage ceases upon termination of the policy. Products and services referred to herein may not be available in all states or jurisdictions.
Note: Coverage information is subject to change. In the event of a conflict between this information and the vision insurance policy, the terms of the policy will prevail. Based on applicable laws, benefits may vary by location.
*Renaissance internal data