Our FLEX Plan allows members to choose what they value most; better coverage or more provider choice.
How it works:
- Voluntary or employer paid down to five eligible lives
- Upon 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
| FLEX Plus | FLEX Basic | |
| Plan Coverage | Superior plan coverage 100/100/80 | Traditional plan coverage of 100/80/50 |
| Network | Over 300,00 nationwide PPO providers* Out-of-network payments based on PPO network rates | Visit any dentist nationwide Out-of-network payments based on UCR |
| 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 |
Two plan options, one affordable rate.
At Renaissance Dental, we challenge the status quo by delivering flexible plans that employers and employees want. With options for flexible pricing and a variety of plan types, we offer benefits you won’t find anywhere else.
| 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 (Up to age 19) | ||
| Orthodontic services braces | 50% | 50% |
Maximums | ||
| Policy year maximum payment applies to diagnostic and preventive, basic and major services | $1,500/person | $1,500/person |
| Lifetime maximum orthodontics | $1,500/person | $1,500/person |
Annual Deductible | ||
| Policy year deductible (enrollee/family maximum) applies to all services except diagnostic and preventive and orthodontics | $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 |
Note: The above schedule of benefits is meant to be a summary of coverage. Please see the insured certificate for a legal interpretation of benefits.
*Renaissance internal data 2017