|
Underwritten
By: National
Guardian Life Insurance
Company (Rated A -
Excellent by AM Best)
|
| The
Essential
Dental
Solutions
Plan is an
insured
dental plan
and Pays
100% for
the services
your family
needs to
maintain
good oral
health! It
is
affordable
because it
focuses on
providing
the dental
insurance
benefits
that you and
your family
need, not on
benefits you
may never
use! |
| Everyone
is accepted
and there
are No
Deductibles
or Benefit
Waiting
Periods,
so you and
your family
can start
using the
dental
benefits
right away. |
|
Use
Any Dentist
or Choose
from a
network of
81,000
credentialed
dentists
nationwide.
|
|
|
|
View
a list of Network Dental
Providers in your area by Clicking
Here
|
|
$34.95
Per Month - Includes Entire
Family
|
|
|
| Covered
Service |
In
Network Benefit |
Benefit
Guidelines |
| Insured
Dental Services -
Paid 100% (Benefits
are Per Person) |
| Periodic
Oral Exam (Office
Visit) |
Pays
100% |
Twice
Per Year / Person |
| Prophylaxis
(Teeth Cleaning) |
Pays
100% |
Twice
Per Year / Person |
| Bitewing
X-Rays |
Pays
100% |
One
Set Every Year /
Person |
| Fillings
- Resin-Based
Composite |
Pays
100% |
One
Filling Per Year /
Person |
| Sample
of Reduced Fee
Services (Unlimited
Use) |
| Full
Mouth X-Rays |
Discounted
(Average 42%) |
|
| Additional
Fillings |
Discounted
(Average 32%) |
|
| Root
Canals |
Discounted
(Average 34%) |
|
| Surgical
Extractions |
Discounted
(Average 31%) |
|
| Crowns |
Discounted
(Average 27%) |
|
| Upper
Denture |
Discounted
(Average 48%) |
|
| Orthodontia
/ Braces |
Discounted
(Average 20%) |
|
|
View
Sample Discount
Dental Schedule by
Clicking Here
|
| Please
Note: The fee
schedule is only a
sample of the most
common dental
procedures.
The dental insurance
pays 100% for two
Exams per year, two
Cleanings per year,
one Bitewing X-Ray
per year and one
Composite Filling
per year per
person.
All other services
are discounted
according to the
dental fee schedule. |
|
|
| OTHER
PLAN PROVISIONS |
| Annual
Deductible |
None |
|
Benefit
Waiting Periods
|
None |
| Office
Co-Pay |
None |
|
| The
annual benefit maximum of
$500 is the total annual
amount the insurance company
will pay for each person per
year. Discounted
dental services do not count
towards this amount and have
unlimited use. |
| Additional
Dental Plan Information |
- No
Deductibles or waiting
periods - 30 Day Money
Back Guarantee
- You
can use the plan 3-5
business days after you
apply
- Your
ID card and policy is
sent by mail 4-5 days
after you apply
- The
plan cost of $34.95/month includes
the entire family
- All
insured benefits are per
person
- The
maximum amount paid by
the insurance company is
$500 per person per year
- Plan
is available to all ages
and everyone is accepted
- Use
any dentist and change
your dentists as often
as you like
- Claims
are submitted by network
dentists - Click
Here for a list of
dental providers
- Plan
also includes discounts
on prescriptions,
hearing services and
more
|
|
|
| The
Essential Dental Solutions
program may not be available
in all states. |
|
| The
Dental Plan is provided
through a group policy
issued to the National
Congress of Employees
Association located in
Washington, D.C. This
affordable Dental Plan is
administered by Group Dental
Service, a company that has
been providing quality
dental plans and services
for over 42 years. |
|
| *Members
can receive benefits from
any provider! However,
benefits are calculated
using a Maximum Allowable
Charge. Maximum Allowable
Charges are limitations on
billed charges and are based
on fees paid to Network
Providers in the geographic
area where the expenses are
incurred. For Out of Network
Providers, members are
responsible for amounts
charged by the provider that
exceed benefits, and may be
required to remit payment at
the time of service and then
file the claim for
reimbursement. Click
Here for a list of network
dental providers |
|
| **Active
Members will enjoy
discounts, on average 20% to
50% off standard fees, on
other covered dental
procedures when you see a
participating Network
Provider. Members who see an
Out of Network Provider will
not be entitled to a
discount. Discounts will
vary by provider and
location. |
|
| ***The
Benefit Guidelines are for
each listed family member
and the benefits cannot be
transferred or combined
between members. |
|
| Notices: |
| Included
in the $34.95 monthly cost
of this plan are the
membership dues for the
National Congress of
Employees Association (NCE).
This insurance plan is
underwritten by National
Guardian Life Insurance
Company, NAIC # 66583,
domiciled in Wisconsin with
their principal place of
business located at 2 East
Gilman St., Madison, WI
53703, and is licensed in
Washington D.C. National
Guardian Life is not
affiliated with The Guardian
Life Insurance Company of
America, aka The Guardian or
Guardian Life. These
benefits are provided under
the Group Dental Policy
(Policy Form NDNGRP 04/06)
issued to the NCE and are
subject to the exclusions,
limitations, terms and
conditions of coverage as
set forth in the Certificate
of Insurance. The insurance
premiums for these benefits
are paid by NCE out of
membership fees collected.
The membership fees charged
for this program are not
insurance premiums. The
dental product may vary by
State and may not be
available in all States. |
| |
| For
a full explanation of your
dental benefits provided
through the NCE Association,
please click
here. |
