Essential Dental Insurance

Dental Insurance - ESSENTIAL DENTAL SOLUTIONS Dental Insurance Plan

Underwritten By: National Guardian Life Insurance Company (Rated A - Excellent by AM Best)

The Essential Dental Solutions Plan covers the services your family needs for good oral health! It is affordable because it focuses on providing the dental insurance benefits that you and your family need to maintain good oral health, not on benefits you may never use!

Everyone is accepted and there are no deductibles or benefit waiting periods, so you and your family can start using the dental benefits right away.

This Dental Insurance Plan provides access to 85,000 credentialed dentists nationwide.

View a list of Network Dental Providers in your area by Clicking Here

$29.95 Per Month - Includes Entire Family

Plan Not Available in: LA, ME, MA, MO, NV, NY, NC, OR, UT or WA

Click Here To Apply

Covered Service	In Network Benefit	Benefit Guidelines
Preventative & Diagnostic Services Paid 100% (Benefits are Per Person)
Periodic Oral Exam (Office Visit)	Pays 100%*	Twice per year***
Prophylaxis (Teeth Cleaning)	Pays 100%*	Twice per year***
Bitewing X-Rays	Pays 100%*	One set every year***
Resin-Based Composite (Fillings)	Pays 100%*	One filling per year (two surfaces)***
Sample of Discounted Services - Unlimited Use when using a network dentist
Full Mouth X-Rays	Discount (Average 42%)**	For a list of participating network dentists in your area, Click Here
Additional Fillings	Discount (Average 32%)**
Root Canals	Discount (Average 34%)**
Surgical Extractions	Discount (Average 31%)**	For a sample discount fee schedule for your area, Click Here
Crowns	Discount (Average 27%)**
Upper Denture	Discount (Average 48%)**
Orthodontia	Discount (Average 20%)**

OTHER PLAN PROVISIONS
Annual Deductible	None
Benefit Waiting Periods	None

The annual benefit maximum of $500 is the total annual amount the insurance company will pay for each person / year. Discounted dental services do not count towards this amount.

Additional Dental Plan Information

No Deductibles or waiting periods
You can use the plan 3 business days after you apply
Your ID card and policy is sent by mail 4-5 days after you apply
The plan cost of $29.95/month includes the entire family
All insured benefits are per person
The maximum amount paid by the insurance company is $500 / person per year
Plan is available to all ages and everyone is accepted
Claims are submitted by network dentists - Click Here for a list of dental providers
Plan also includes discounts on prescriptions, hearing services and more

Click Here to Apply

The Essential Dental Solutions program is not available in all states.

Plan Available in all states Except: LA, ME, MA, MO, NV, NY, NC, OR, UT or WA

The Dental Plan is provided through a group policy issued to the National Congress of Employees Association located in Washington, D.C. This affordable Dental Plan is administered by Group Dental Service, a company that has been providing quality dental plans and services for over 42 years.

*Members can receive benefits from any provider! However, benefits are calculated using a Maximum Allowable Charge. Maximum Allowable Charges are limitations on billed charges and are based on fees paid to Network Providers in the geographic area where the expenses are incurred. For Out of Network Providers, members are responsible for amounts charged by the provider that exceed benefits, and may be required to remit payment at the time of service and then file the claim for for reimbursement. Click Here for a list of network dental providers

**Active Members will enjoy discounts, on average 20% to 50% off standard fees, on other covered dental procedures when you see a participating Network Provider. Members who see an Out of Network Provider will not be entitled to a discount. Discounts will vary by provider and location.

***The Benefit Guidelines are for each listed family member and the benefits cannot be transferred or combined between members.

Questions - Call 1-800-544-9505

Notices:

To be eligible to receive these insurance benefits all members must be an active dues paying member of National Congress of Employees Association (NCE). Dues are included in the $29.95 monthly cost for the dental plan. This insurance plan is underwritten by National Guardian Life Insurance Company, NAIC # 66583, domiciled in Wisconsin with their principal place of business located at 2 East Gilman St., Madison, WI 53703, and is licensed in Washington D.C. National Guardian Life is not affiliated with The Guardian Life Insurance Company of America, aka The Guardian or Guardian Life. These benefits are provided under the Group Dental Policy (Policy Form NDNGRP 04/06) issued to the NCE and are subject to the exclusions, limitations, terms and conditions of coverage as set forth in the Certificate of Insurance. The insurance premiums for these benefits are paid by NCE out of membership fees collected. The membership fees charged for this program are not insurance premiums. The dental product may vary by State and may not be available in all States.

For a full explanation of your dental benefits provided through the NCE Association, please click here.

Email: info@dental-insurance-benefits.com

Toll Free: (800) 544-9505

LTCC is a trademark of Long Term Consumer Care, Inc.