Product Information
Get Essential Dental and get the dental work you need. Fill out our
Easy Application today! Everything you need to know about
your new dental insurance plan with vision care benefits is listed below.
Affordable Rates
With an Essential Dental insurance plan, you and your family get great dental coverage,
with individual rates ranging from $19.40 – $30.93* per month.
Complete Dental Coverage
Get reimbursements for routine dental care and hundreds of other covered dental
procedures.
Fixed Fee Schedule
Coverage for all procedures is based on a fixed Fee Schedule included in your policy.
You will always know the costs reimbursed by Essential Dental before you undergo
any dental service.
Easy Claims Process
In most cases, network dentists will submit claims to Essential Dental for you.
For your convenience, there are nearly 40,000 network dentists nationwide.
Vision Care Benefits
- Every covered family member receives a $35 annual eye exam allowance and savings
of 10% to 50% at over 10,500 participating eye care centers nationwide.
- Discounted products and services, including eyeglasses, contacts, prescription and
nonprescription sunglasses†, eye exams and corrective surgery, available at select
locations.
- Vision Network includes optometrists, laser surgery centers, independent optical
centers and national chain locations including Pearle Vision, Sears Optical, JC
Penney Optical, LensCrafters, Target Optical, Wal-Mart and many more.
Guaranteed Acceptance
If you are between the ages of 19 and 64, your acceptance is guaranteed!
Apply Today!
*Rates vary based on geographic region, age and number of dependants.
†Some restrictions may apply.
Yes, I want healthy teeth!
Limitations and Exclusions of This Policy:
- This policy does not cover losses caused by or resulting from
- Any procedure or service not shown on the Schedule of Covered Procedures or the
Policy Schedule.
- Any Vision Examination required by an employer as a condition of employment.
- Any vision materials (i.e. glasses, contact lenses, eyeglass lenses, eyeglass frames,
safety eyewear, plain or prescription sunglasses, sub-normal vision aids, etc.).
- Medical or surgical treatment of the eyes.
- Amounts in excess of the Policy Year Benefit Maximum.
- Services or supplies We consider being experimental or investigative.
- Any injury or illness when covered under Worker’s Compensation or similar law, or
which is work related.
- Services received before Your effective date, including started but not completed
services.
- Services received after, or started but not completed within 30 days of Your coverage
ending.
- Charges for dental services performed by other than a licensed dentist or dental
hygienist.
- Charges for services rendered by a provider other than Ophthalmologist or Optometrist
acting within the scope of his or her license.
- Services that are not recommended by a dentist or that are not required for the
preservation or restoration of oral health.
- Repairs or adjustments to dental work within six months of the initial work.
- Replacement prosthodontics within seven years of last placement.
- Treatment involving crowns for a given tooth within seven years of last placement,
regardless of the type of crown.
- Replacement for inlays or onlays for a given tooth within seven years of last placement.
- Implants (materials implanted into or on the bone or soft tissue) or the removal
of implants or any related services.
- Any services performed for convenience or cosmetic purposes.
- Treatment or services received while outside the territorial limits of the United
States.
- Any charge for a service required as a result of disease or injury that is due to
war or an act of war (whether declared or undeclared); taking part in an insurrection
or riot; the commission or attempted commission of a crime; an intentionally self-inflicted
injury or attempted suicide while sane or insane.
- Services performed by a Dentist who is a member of the covered person’s Immediate
Family.
- Orthodontic treatment unless this policy includes the Orthodontic Expense Rider.
- Temporomandibular Joint (TMJ) dysfunctions unless this policy includes the TMJ Expense
Rider.
- No benefits will be paid for replacement of teeth missing prior to the effective
date of coverage.
- No benefits will be paid for the initial placement of removable full or partial
dentures, unless it includes the replacement of a Functioning Natural Tooth extracted
while the covered person is insured under this policy.
- No benefits will be paid for the initial placement of a fixed partial denture including
a Maryland Bridge, unless it includes the replacement of a Functioning Natural Tooth
extracted while the covered person is insured under this policy.
- Regardless of optical necessity, the Vision Examination Benefit is not available
more frequently than specified in the Policy Schedule of Benefits.
- Federal, state or local taxes are not included as part of a Covered Dental Expense.
- See the Schedule of Covered Dental Procedures for all specific procedure limitations.
Yes, I would like an affordable way to keep myself healthy!
Enroll Today!
Additional coverage details:
“Tooth decay remains the most common
chronic disease among children
ages 5–17, with 59% affected.”
– Issue Briefs on Challenge for the 21st Century:
Chronic and Disabling Condition
“There is a Link between Cardiovascular
Disease and Dental Health.”
– 1998-2008 Mayo Foundation
for Medical Education and Research
“120 mental and physical diseases
can be detected through the mouth.”
– Jed J. Jacobson, D.D.S., M.S., M.P.H.,
February 2006