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Renaissance Reward Plan

Your clients know that healthy employees are the key to maintaining a healthy business. Our Reward Plan is a prepackaged product that carries no minimum employer contribution and encourages employees to maintain good oral health each year with an escalating benefit design.

Reward 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 to care—With over 300,000 dental office locations, it’s easy to find a dentist in your community.
  • Preventive care—Cleanings and routine check-ups are 100% covered.
  • Excellent customer service—Our Indiana-based support team answered more than 57,000 phone calls last year, and answered 99% of calls on first contact.*
  • MyRenBenefits—Our online member page makes it easy to check benefits information, find a participating dentist, print ID cards and more.
  • Vision coverage—Adding vision coverage to your client’s dental plan is affordable and easy to use.

 

*Renaissance internal data, 2017

Plan Pays1st year2nd year3rd 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

80%80%80%
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 (until 19 years of age)

0%0%50%
Orthodontic Lifetime MaximumNot CoveredNot Covered$1,000
Orthodontic DeductibleNot CoveredNot Covered$50

Deductible and Maximum

Policy Year Maximum Payment

applies to Diagnostic & Preventive, Basic and Major Services

$750$1,000$1,500
Policy Year 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-networkPPO Fee/80th Percentile
Rates per subscriber / per month
(guaranteed for one year)
Subscriber OnlySubscriber + One DependentSubscriber + Family

Area 1 AL, DC, KY, MS, WV

$26.59$51.85$77.11

Area 2 AR, KS, LA, NC, ND, NE, PA, SC, TN, VA

$29.52$57.55$85.60

Area 3 GA, HI, IA, IN, MD, SD, TX, WY

$32.75$63.89$95.02

Area 4 CO, FL, ME, MN, MO, OH, OK, RI, VT

$36.37$70.92$105.46

Area 5 DE, MA, MI, NY, WI

$40.38$78.71$117.06

Area 6 AZ, ID, NV, OR, UT

$44.81$87.37$129.91

Area 7 NJ

$49.74$96.96$144.23

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.

Underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Life & Health Insurance Company of New York, New York, NY. Both companies can be reached at P.O. Box 1596, Indianapolis, IN 46206

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 (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 & 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.

Underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Life & Health Insurance Company of New York, Binghamton, NY. Both companies can be reached at P.O. Box 1596, Indianapolis, IN 46206