Reward Plan
As an employer you know that healthy employees are necessary to ensure a healthy bottom line. The Renaissance Reward Plan fulfills your benefit objectives by offering voluntary dental coverage with no minimum employer contribution requirements. Plus, our escalating benefit design promotes the value of maintaining good oral health practices year after year.
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—The Renaissance PPO network combines leading national and regional networks with more than 300,000 dental access points.*
- 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 employees’ dental plan is affordable and easy to use.
Renaissance Dental’s Reward Plan
As an employer you strive to maintain a healthy bottom line and one way to ensure that is with healthy employees. The Renaissance Reward Plan allows you to maintain your benefit objectives by offering voluntary dental coverage with no minimum employer contribution requirements. Furthermore, our escalating plan design promotes the value of maintaining good oral health practices year after year.
| Plan Pays | 1st year | 2nd year | 3rd 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 Maximum | Not Covered | Not Covered | $1,000 |
| Orthodontic Deductible | Not Covered | Not Covered | $50 |
Deductible and Maximum Payment | |||
| Policy Year Maximum 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-network | PPO Fee/80th Percentile |
| Rates per Subscriber / per month (guaranteed for one year) | Subscriber Only | Subscriber + One Dependent | Subscriber + 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, 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 |
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.
*Renaissance Internal Data, 2017
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 PO Box 1596, Indianapolis, IN 46206.