Renaissance Dental Insurance

Wide Dental Network & Multiple Plan Options

Renaissance Life & Health Insurance Company of America and its sister company Renaissance Life & Health Insurance Company of New York offer ancillary benefits for employer groups and individuals nationwide. Dental, vision, life and disability insurance comprise the core line of the company's ancillary benefits solutions. With headquarters in Indianapolis, Ind., Renaissance is focused on providing its members and partners with outstanding products and service.

The global credit rating firm, AM Best, has assigned a Financial Strength Rating of "A" (meaning "Excellent"), and Long-Term Issuer Credit Ratings of "A," to Renaissance Life & Health Insurance Company of America, Indianapolis, IN and Renaissance Life & Health Insurance Company of New York, Binghamton, NY.

Renaissance provides ancillary benefits, including dental coverage, across the country. The Renaissance dental network combines leading national and regional PPO networks to offer maximum choice and value with over 300,000 dental access points nationwide.*

*Renaissance internal data, 2020

Renaissance Features

The benefits and advantages of Renaissance dental plans include:

• Preventive care, such as routine cleanings and oral exams, are included among covered services
• While the Renaissance PPO network has over 300,000 dental access points, enrollees still have the option of out-of-network care*
• In-network dental care providers complete and file claims so enrollees are free from the paperwork burden and do not have to wait for expense reimbursement on covered services
• Renaissance's contact center is located domestically in Indiana and answers 99% of calls on first contact (according to a 2017 analysis)
• The RenMember Portal allows dental plan enrollees to find benefits information easily, locate a local participating dentist, and print ID cards 24 hours a day, 365 days a year

Plan Options

Renaissance Dental has multiple plan options at different price points from which consumers may choose. These plans include Plan II, Plan III, and Max Choice Plus . All three of these have coverage for many of the same dental services but charge differing out-of-pocket costs. For example, each of the plans mentioned covers one X-Ray per benefit year. However, with respect to in-network out-of-pocket costs after the deductible is paid, Max Choice Plus enrollees pay 60 percent of the X-Ray cost (in the first year of coverage), Plan II enrollees pay 50 percent, and Plan II enrollees pay 20 percent.

Certain plans provide additional benefits for even more coverage. For example, the Max Choice Plus also includes an orthodontic services benefit. Another difference among Renaissance plans concerns the annual cap on benefit spending. Renaissance also provides flexible annual maximums with their plans so that enrollees can select the plan that works best for their budget. Plans II and III feature a $1,000 annual maximum.The Max Choice Plus PPO starts with a $1,000 annual maximum in the first year of coverage, which rises to $2,000 in the second consecutive year of coverage and $3,000 in the third consecutive year of coverage.

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How to Lower Your Overall Dental Costs

The following are some commonsense measures to control your dental spending.

• Review your insurance needs annually based on your oral health
• If a crown or root canal are in your future, make certain your dental plan covers it
• Get a second opinion when very expensive procedures (such as a dental implant) are recommended
• You will pay for the cost of a second dentist’s opinion but in some cases a less expensive treatment that is better aligned with your medical needs might be suggested
• If you have a modest income, you may qualify for charitable dental care. See our page devoted to dental care in your state to see what resources are available

For more information on reducing your annual dental spending, see our article “Six Ways to Lower Your Annual Dental Costs.”