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Individual Plan FAQs

At Renaissance, excellent customer service is at the core of everything we do. It is important to us to answer every inquiry quickly, professionally, and accurately. Have a question or want a quote? Click here or call Renaissance Customer Service at 888-791-5995.

Understanding Your Benefits

Take advantage of all your Renaissance plan has to offer. Our Understanding Your Benefits page will show you how.

An automatic withdrawal will be completed around the 5th of each month from the credit card or checking account that you enter when you enroll.

The following credit cards are accepted: VISA, American Express, MasterCard and Discover.

Find out what your plan covers by visiting Individual Account Manager.

There are no waiting periods for preventive treatments such as cleanings and exams. There are waiting periods on such services as periodontics, as well as minor and major restorative procedures. To determine which plan you have and what services require waiting periods visit MyRenCoverage.com.

Renaissance individual plans cover 100% of the allowed amount for diagnostic and preventive services, including cleanings, when visiting a network provider.

For more information on what your plan covers or to get a quote visit MyRenCoverage.com.

A deductible is the out-of-pocket amount a person and/or family must pay toward covered services (if any) before Renaissance begins paying for services. The amount of the deductible varies depending on the plan you select. Refer to your certificate of coverage for information regarding your specific plan.

For more information on what your plan covers or to get a quote visit MyRenCoverage.com.

The annual maximum is the maximum dollar amount Renaissance will pay for covered dental services in the benefit period. Once an individual has reached the benefit period maximum, no further payments will be made by Renaissance until the next benefit period. Refer to your certificate of coverage for information regarding your specific plan.

To determine which plan you have and what services are covered visit MyRenCoverage.com.

Max Choice and Max Choice Plus cover implants at 20%, 40%, and 50% in the first, second, and third year of coverage respectively.

To determine which plan you have and what services are covered visit MyRenCoverage.com.

Orthodontic services are covered up to age 19 at 10%, 25%, and 50% in the first, second, and third year of coverage respectively with our Max Choice and Max Choice Plus plans.

To determine which plan you have and what services are covered visit MyRenCoverage.com.

Tooth whitening is not covered under any Renaissance dental plan.

To determine which plan you have and what services are covered visit MyRenCoverage.com.

Silver and white fillings are covered at 50% with our Ren Essentials plan.

All fillings are covered at 50% with our Max Essentials plan.

All fillings are covered at 40%, 60%, and 80% in the first, second, and third year of coverage respectively with our Max Choice and Max Choice Plus plans.

To determine which plan you have and what services are covered visit MyRenCoverage.com.

Once enrolled, your policy and rates are effective for 12 consecutive months from your effective date, as long as premium payments are made on time and all other conditions of the policy are met. After the first 12 months your policy will renew for an additional 12-month period upon payment of a renewal premium, unless Renaissance declines to renew the policy or you decide not to renew it, according to the terms of the policy.

If you need to cancel your policy you can submit a written cancellation request, as indicated in your policy. Renaissance will refund any premium paid, but not yet earned, due to policy cancellation. The refund will be based on the number of full months that remain in the 12 month policy period on the effective date of cancellation.

Use our Find a Dentist feature to locate a dentist. If you decide to contact a dental office directly, please refer to the following network partners that your dental office will likely recognize:

  • Maximum Care
  • Connection Dental
  • Maverest

Renaissance does not mail EOB statements when services are covered at 100% and the patient owes nothing. These statements are, however, available to view and print via our secure online portals:

Individual/Family Coverage
Vision Coverage 

Information for dependents over age 17 must be obtained via phone

What is a pre-treatment estimate?

A pre-treatment estimate is a voluntary, optional procedure where Renaissance issues a written estimate of benefits that may be available under your plan for your proposed dental treatment. Your dentist submits the proposed dental treatment to Renaissance before providing the treatment. This service is free for Renaissance subscribers.

When should I request a pre-treatment estimate from my dentist?

You can request a free pre-treatment estimate at any time. Some specific instances when you may want to request one include:

  • If your dentist is recommending extensive treatment
  • If you need information on benefit coverage and plan limitations
  • If you would like an estimate of how much you may have to pay
How long does it normally take to receive a pre-treatment estimate?

If all information is received with the initial request for pre-treatment estimate, it may take up to 10–14 business days for processing. To receive a pre-treatment estimate even faster, have your dentist submit the request online.

Note: Pre-treatment estimate is provided for informational purposes only and is not required before you receive any dental care. It is not a prerequisite or condition for approval of future dental benefits payment. You will receive the same benefits under your plan whether or not a pre-treatment estimate is requested. The benefits estimate provided on a pre-treatment estimate notice is based on benefits available on the date the notice is issued. A pre-treatment estimate is NOT a guarantee of future dental benefits or payment. When the services are complete, Renaissance will calculate its payment based on your current eligibility, remaining maximum and any deductible requirements.

Availability of benefits at the time your treatment is completed depends on several factors such as, but not limited to, your continued eligibility for benefits, your available annual or lifetime maximum payments, any coordination of benefits, the status of your plan and the dentist, your plan’s limitations and any other plan provisions. A request for a pre-treatment estimate is not a claim for benefits or a preauthorization, precertification or other reservation of future benefits.

Yes. To view your benefits and claims log in to our secure online portals:

Individual/Family Coverage
Vision Coverage 

The benefit period maximum is the maximum dollar amount Renaissance will pay for covered dental and/or vision services in the benefit period. Once an individual has reached the benefit period maximum, no further payments will be made by Renaissance until the next benefit period.

An individual and/or family deductible is the out-of-pocket amount a person and/or family must pay toward covered services (if any) before Renaissance begins paying for services. The amount of the deductible varies depending on the plan you select.

A waiting period is the length of time an individual is required to wait until they are eligible for coverage for certain procedures. The waiting period begins on the effective date of coverage for benefits. The date of eligibility is the date you are eligible to receive benefits, or signals the end of the waiting period.

You are free to choose any licensed provider; however, you may save more money by visiting a provider in our nationwide PPO network. Find participating dentists visit Find a Dentist, or find a participating vision provider by visiting vsp.com.

  • General Dentists provide a full range of services for the entire family. They will monitor your overall oral health and help identify areas in need of treatment.
  • Endodontists specialize in diseases of the nerve of the tooth, performing procedures such as root canals.
  • Oral Surgeons specialize in removing impacted teeth and repairing fractures of the jaw and other damage to the bone structure around the mouth.
  • Orthodontists correct misaligned teeth and jaws, often by applying braces.
  • Pediatric Dentists generally limit their practices to treating children and teens.
  • Periodontists specialize in treating diseases of the gums.
  • Prosthodontists generally specialize in replacing missing or damaged natural teeth with prosthetics like bridges, crowns and dentures.

Participating dentists will submit your claim for you. However, if you choose a nonparticipating dentist, you or your dentist should send your claims to:

Renaissance
PO Box 17250
Indianapolis, IN 46217
Attn: Claims Department

Yes. Once your coverage becomes effective, you should either tell your provider that you have Renaissance coverage or show your ID card at the time of service.

Yes – Your ID card provides a lot of helpful information that a provider can use to provide a seamless office experience. To print an ID Card, simply log into your secure online portal.

In most cases, your member ID number is your social security number. If your company has requested alternate ID numbers, this number will be printed on an ID card that you should have received in the mail. Your provider will need this number to submit claim forms.

Refer to your benefit summary for a detailed description of your benefits. You can also log into your secure online portal to review your coverage:

Individual/Family Coverage
Vision Coverage 

You will create a username and password that provides access to your account. To begin your login registration, visit your secure online portal:

Individual/Family Coverage
Vision Coverage 

An Explanation of Benefits (EOB) statement is a document that Renaissance may send to you after you receive dental treatment. This document will explain what procedures were covered under your benefits plan, as well as any procedures that might not have been covered and why they were not covered.

We send the EOB directly to you, and it will provide you with the information you need, including:

  • Dental services performed (procedure description)
  • Dentist fees
  • Renaissance’s payment
  • Your required payment
  • Coordination of benefits information, if applicable
  • Annual maximums used in the current benefit year

When you receive dental services and do not owe any balance, you will not automatically receive an EOB. You can access a copy online using MyRenBenefits.

If you have questions about an EOB, please contact us at: 888-358-9484

Renaissance subscribers can receive expert dental care when they are outside of the United States through the AXA Assistance worldwide referral network of dentists and dental clinics. When outside of the United States, call AXA Assistance collect at 312-356-5972 to receive a referral through an English-speaking operator. For more information, review our Passport Dental benefit.