Essential Dental is a
true dental insurance plan. You can
go to any dentist and not only
get paid back for the scheduled amount for hundreds of procedures, but you may also receive
lower prices on these procedures from our
nearly 40,000 in-network dentists nationwide.
Don’t be fooled by lower cost discount networks that are not insurance plans.
Read on to learn more about Essential Dental.
The annual deductible is $50 per year, per covered member.
The annual maximum coverage is $1,000 per year, per covered member.
The monthly fee for Essential Dental varies by age and region. Just
tell us your age, zip code, and who you want to cover
and we’ll tell you your low monthly fee. It’s that simple.
To make your decision even easier, if after reviewing this program you decide that
this insurance isn’t exactly what you had in mind and you do not wish to keep it,
you'll have 30 days after your coverage effective date to cancel this policy for
a refund of your first month's premium as long as you have no paid claims.
Anyone ages 19-64 is guaranteed acceptance. This means that 18 year olds cannot sign up
as primary members, but dependent children can be covered under the Plan if they are 18 or under,
or 24 or younger and enrolled in an accredited secondary institution.
In most states, the benefits do not terminate at any age. If you sign up before the age of 65,
you can retain benefits for the rest of your life. Exceptions: FL – policy terminates at 70,
VA – policy terminates at 65.
With this Plan, there is no health questionnaire to answer.
If you’re between ages 19 to 64, you can’t be turned down.
By using an In-Network dentist, you can save as much as 20% off
the billable amount on many procedures and possibly more.
For no additional monthly cost, you’ll receive a $35 reimbursement when you get
an annual vision exam and 10-50% savings within our nationwide
vision network (frames, lenses, etc…)
Even if you already have other dental insurance through your employer, many of our customers
have found that an affordable secondary policy like Essential Dental Insurance can help lower
their out of pocket costs by reimbursing the portion of eligible services that may fall into
the deductible or co-pay costs on the other plan.
To help you stay on top of your dental care, preventative procedures,
like simple cleanings and oral evaluations, are covered up to the scheduled reimbursement
amount as soon as you are enrolled and your first payment is processed.
The full schedule will be provided with your policy.
Your Essential Dental Insurance policy documents will be mailed to your home address,
and you can expect to receive them in 10-14 business days.
AlwaysCare Benefits, Inc. (a Starmount Life Insurance company) is an independent, privately-owned
and operated business in operation since 1983. They provide insurance and benefits to individuals
and groups with as few as two employees to thousands of employees. AlwaysCare’s primary function is
to exceed your expectations and their Associates are empowered to do so. While their systems
and people enable them to handle very large accounts, their entrepreneurial mentality ensures individuals
and groups of all sizes will experience AlwaysCare’s personal, customized approach. Further,
their plan flexibility and Member tools have made them a leader in providing consumer-driven solutions.
Since 1910, National Guardian Life Insurance Company (NGL) has been one of America’s most successful
and highly rated independent mutual life insurance companies. NGL specializes in final expense planning,
dental and vision insurance, and funeral prefunding, with consolidated assets exceeding $2.0 billion.
NGL’s success is attributed to dedication to the highest standards of quality and integrity.