Español English Spanish

FLEX Plan

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 PlusFLEX Basic
Plan CoverageSuperior plan coverage 100/100/60.Traditional plan coverage of 100/80/50.
NetworkOver 300,000 nationwide PPO providers*. Out-of-network payments based on PPO network rates.Visit any dentist nationwide. Out-of-network payments based on UCR.
SavingsLowest 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, 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 HighlightsFLEX PlusFLEX Basic
Plan PaysPlan Pays

Diagnostic and Preventive 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)

Relines 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 FeePPO Fee
Allowed amount

out-of-network providers

PPO Fee90th percentile
Note: The above schedule of benefits is meant to be a summary of coverage. Policies have exclusions and limitations that may limit coverage. For complete coverage details please refer to your policy.

NOTES:  Theses 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.

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 & Limitations

Offer the Renaissance Flex Plan

*Renaissance internal data 2017