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Home // Individual // Renaissance Products // Renaissance Active Lifestyle

Renaissance Active Lifestyle

Enhance and expand your existing Medicare coverage with one of our Active Lifestyle plans.

Medicare Supplement insurance goes hand in hand with your existing Medicare coverage and can help pay for expenses Medicare doesn’t cover. Have peace-of-mind knowing that if you need extended hospital care or time at a nursing facility, Renaissance has you covered.

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Active Lifestyle Medicare Supplement Features
  • Personalized care – A large selection of physicians and specialists for your health care.
  • Multiple plan options – A variety of plan options allow you to select the coverage that best meets your needs.
  • Simple claims process – Put that pencil down. We take care of the hard work for you so there’s virtually no claims paperwork to file.

You can extend your coverage even more by combining your Medicare Supplement Insurance plan with our dental and vision options for one seamless, affordable health care plan.

Service and Supplies
Medicare Part A Hospital Coverage
PlanDeductibleFirst 60 DaysCo-Insurance 61-90 DaysCo-Insurance 91-150 Days (Lifetime Reserve)Extended Hospital Coverage*Benefit for Blood
MedicareNothing100%All but $329 a DayAll but $658 a DayNothingAll but Three Pints
Plan A--$329 a Day$658 a DayMedicare Eligible ExpensesThree Pints
Plan B1$1,316-$329 a Day$658 a DayMedicare Eligible ExpensesThree Pints
Plan C2$1,316-$329 a Day$658 a DayMedicare Eligible ExpensesThree Pints
Plan F$1,316-$329 a Day$658 a DayMedicare Eligible ExpensesThree Pints
Plan G$1,316-$329 a Day$658 a DayMedicare Eligible ExpensesThree Pints
Plan N$1,316-$329 a Day$658 a DayMedicare Eligible ExpensesThree Pints
Hospice Care
Plan
MedicareAll but limited Co-Insurance for outpatient drugs and inpatient respite care
Plan AMedicare Co-Insurance/Co-Payment
Plan B1Medicare Co-Insurance/Co-Payment
Plan C2Medicare Co-Insurance/Co-Payment
Plan FMedicare Co-Insurance/Co-Payment
Plan GMedicare Co-Insurance/Co-Payment
Plan NMedicare Co-Insurance/Co-Payment
Skilled Nursing
PlanFirst 20 DaysCo-Insurance 21-100 Days
Medicare100%All but $164.50 a day
Plan A--
Plan B1--
Plan C2-$164.50 a day
Plan F-$164.50 a day
Plan G-$164.50 a day
Plan N-$164.50 a day
Medicare Part B Physician's Services and Supplies
PlanDeductibleCo-InsuranceExcess ChargesBenefit for Blood
MedicareNothing80%NothingAll but Three Pints
Plan A-20%-Three Pints
Plan B1-20%-Three Pints
Plan C2$18320%-Three Pints
Plan F$18320%100% up to Medicare’s LimitThree Pints
Plan G-20%100% up to Medicare’s LimitThree Pints
Plan N-20%**-Three Pints
Additional Benefits 4
PlanEmergency Care received outside the U.S.
MedicareNothing
Plan A-
Plan B1-
Plan C280% to Lifetime Max of $50,000
Plan F80% to Lifetime Max of $50,000
Plan G80% to Lifetime Max of $50,000
Plan N80% to Lifetime Max of $50,000

1Plan B is only available in PA

2Plan C is only available in NJ and PA

*Up to an additional 365 days in your lifetime

**Subject to a Co-Payment for office and emergency room visits

Note: This is a brief description of your coverage. Policies have exceptions and limitations that may limit coverage. For a complete description of benefits, exceptions and limitations, please read your Outline of Coverage and your policy. The premium rate may vary between plans. Coverage ceases upon termination of the policy. Products and services referred to in this website may not be available in all states or jurisdictions. Neither Renaissance nor its Standard Medicare Supplement Insurance Policy are connected with or endorsed by the US government or the federal Medicare program.

Underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Health Insurance Company of New York, New York, NY. Both companies may be reached at P.O. Box 1596, Indianapolis, IN 46206. Each company has sole financial responsibility for its own products. Products and services referred to may not be available in all states and jurisdictions.

Active Lifestyle Dental

Routine dental visits are an extremely important part of maintaining good health. Renaissance Active Lifestyle Dental plans help make oral health services more affordable and promote preventive care so small problems don’t become painful, expensive ones.

Our Active Lifestyle plans offer Medicare eligible individuals the opportunity to add dental and vision coverage to their Medicare Supplement package. By adding dental coverage to your Medicare Supplement plan, you can make sure you have the coverage you need to maintain a healthy, active lifestyle.

The Active Lifestyle dental plan features:

  • Excellent coverage and the flexibility to see any dentist in the nation, or save the most money by visiting a Renaissance preferred dentist in our nationwide network.
  • No waiting periods on diagnostic and preventive services.
  • Opportunity to easily add vision coverage for one affordable rate.
Plan PaysIn-NetworkOut-of-Network

Diagnostic and Preventive Services

Diagnostic & Preventive Services

exams, cleanings, bitewing X-rays and fluoride treatment

100%80%
Brush biopsy

to detect oral cancer

100%80%

Basic Services (6 Month Waiting Period Applies)

Emergency Palliative Treatments

to temporarily relieve pain (no waiting period)

100%80%
Radiographs/Diagnostic Imaging & Casts

X-rays for routine care or for diagnosis of a condition

80%60%
Minor Restorative Services

to repair teeth damaged by disease or injury (i.e. silver/white fillings)

80%60%
Periodontal Maintenance

maintenance following active periodontal therapy

80%60%
Simple Extractions

including local anesthesia, suturing and post-operative care

50%50%
Other Basic Services

services performed during after-hour visits (12 month waiting period applies)

50%50%

Major Services (12 Month Waiting Period Applies)

Oral surgery

extractions/dental surgery, local anesthesia, post-operative care and diagnosis/treatment of TMD

50%50%
Endodontic services

to treat teeth with diseased/damaged nerves (i.e. root canals)

50%50%
Periodontic Services

to treat diseases of the gums and supporting structures of the teeth

50%50%
Prosthodontic services

to replace missing natural teeth (i.e. bridges, endosteal implants and dentures)

50%50%
Major restorative services

when damaged teeth can’t be restored with filling material (i.e. crowns)

50%50%
Relines and Repairs

to fixed/removable bridges and partial/complete dentures (6 month waiting period applies)

80%60%

Maximums and Deductible

Annual maximum

per person on all services - per benefit year

$1,000$1,000
Annual deductible

per person/family - per benefit year

$50/$150$50/$150

Allowed Amounts

In- and out-of-network providers

PPO FeePPO Fee

Note: To ensure that you have access to as many providers as possible Renaissance contracts with various dental networks and treats covered services provided by those network dentists as In-Network for the purposes of this policy. Please note that the allowed amounts your provider may charge will vary based on the network in which he/she participates.

The above summary is a sample of benefits. Policies have exclusions and limitations that may limit coverage. Renaissance Active Lifestyle Plan may not be available in all states. For complete coverage details, please refer to your policy, INVD-100A-2016.

Waiting Periods: All basic services except services performed during after hours will not be covered until after a person is enrolled in the dental plan for 6 consecutive months. All major services except relines and repairs will not be covered until after a person is enrolled in the dental plan for 12 consecutive months.

 

 

*Renaissance Internal Data, 2017

NOTES:  These summaries are samples of benefits.  Policies have exclusions and limitations that may limit coverage.  For complete coverage details, please refer to your policy, INVD-100A-[2016]-(state specific abbreviation, if applicable).

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; sealants; prefabricated crowns as final restoration on permanent teeth and paste-type root canal filings 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; orthodontic services; space maintainers; lost, missing or stolen appliances; services not in the Policy 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); coverage for temporomandibular disorders (“TMD”) is limited.

The premium rate will vary between plans.  The policy has a term of one year and will automatically renew (upon payment of required premium) unless terminated in accordance with the policy provisions.  Coverage may be terminated for reasons stated in the policy.  Coverage ceases upon termination of the policy.  Products and services referred to herein may not be available in all states or jurisdictions.

View a full list of Exclusions & Limitations

See if your dentist is in our national network.

Active Lifestyle Vision

Adding vision coverage to your Medicare Supplement plan is incredibly easy. Our Active Lifestyle vision coverage – administered by VSP Vision Care – can be bundled with our dental coverage to complete your benefit package.

Our partnership with VSP provides:

  • The largest national network of independent eye doctors.
  • Vision care from the best doctors – doctors within the VSP network have met the highest credential requirements.
  • Large selection of eyewear, from classic styles to trendy frames, to fit you, your family, and your style.
  • Combined billing for hassle-free benefits that are easy to understand.
  • Access to world-class certified customer service team and benefit information 24/7
Plan PaysCopayFrequency

WellVision Exam

Focuses on eyes and overall wellness$10Annual

Prescription Glasses and Lenses

Frames

$150 allowance; 20 percent savings on amount over allowance

$25Annual
Lenses

Single, lined bifocal and trifocal, polycarbonate for dependent children

$25Annual
Contacts (instead of glasses)

$150 allowance; copay does not apply, contact lens exam (evaluation and fitting)

$25Annual

NOTE: That the Vision benefit overview represents coverage for In-Network doctors ONLY. For Out-Of-Network information please contact your local sales representative.

NOTES:  These summaries are samples of benefits.  Policies have exclusions and limitations that may limit coverage.  For complete coverage details, please refer to your policy, VINV-100A-[2016]-(state specific abbreviation, if applicable).

 

EXCLUSIONS:  There are no Benefits for professional services or materials connected with: • Orthoptics or vision training and any associated supplemental testing. • Plano lenses (less than a ± .50 diopter power). • Two pair of glasses in lieu of bifocals. • Replacement of lenses and frames furnished under this policy that are lost or broken, except at the normal intervals when services are otherwise available. • Medical or surgical treatment of the eyes. • Necessary Contact Lenses • Corrective vision treatment of an Experimental Nature. • Costs for services and/or materials above stated allowances. • Services and/or materials not indicated in the Policy or Summary of Vision Plan Benefits as covered services. • Refitting of contact lenses after the initial (90-day) fitting period. • Contact lens insurance policies or service agreements. • Additional office visits associated with contact lens pathology. • Services associated with CRT or Orthokeratology. • Contact lens modification, polishing or cleaning • Local, state and/or federal taxes, except where Renaissance or its claims administrator is required by law to pay. • Replacement of lost or damaged contact lenses, except at the normal intervals when services are otherwise available.

 

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 policy has a term of one year and will automatically renew (upon payment of required premium) unless terminated in accordance with the policy provisions.  Coverage may be terminated for reasons stated in the policy.  Coverage ceases upon termination of the policy.  Products and services referred to herein may not be available in all states or jurisdictions.

Find a vision provider in your community today.