Individual Dental Information

cbg | CONFIDENT, together with Renaissance, is pleased to announce that we will be offering new Max Choice and Max Choice Plus dental plans for a 9/1 effective date.

Individual dental and vision plans are very popular. Whether individuals are replacing group coverage or simply looking for affordable dental and vision plans, cbg simplifies the way you do individual business by providing you with unique plans to offer your clients.

For information on the new plan designs please contact your cbg specialist at 888-327-8880.

Arrows in Your Quiver:

Individual Essential Benefits

Now is the time to build the capabilities and gather the right solutions and products to offer individual benefits to your individual customer base.

At cbg we carefully sort and sift through the vast array of individual products available in today’s market and bring you only those that meet or exceed our best in class standards.

Since 1998, insurance professionals, employer groups and individuals have turned to cbg for help in understanding and purchasing insurance plans. Our team of professionals and state-of-the-art web systems are designed specifically to provide superior service and flexibility to our clients and agent distribution partners.

Visit our sister Individual and request a custom quote today.

www.mygenerationbenefits.com

Offer a true indemnity dental plan to your customers.  Did you know individuals are more loyal to their dentist than any other medical adviser?  Here is the plan that allows them to continue to see their dentist and receive quality benefits.  And with more than 10,000 per day and over 2 million baby boomers retiring year after year now is the time to break into this market.

Get appointed to sell Renaissance Dental now.

Max Choice Plus Renaissance

MAX Choice Plus plan:

Our MAX Choice Plus dental plan promotes the value of maintaining good oral health practices year after year.

The MAX Choice Plus dental plan promotes the value of maintaining good oral health practices year after year with our most generous annual maximum and NO waiting periods.

Individuals will save the most money by visiting a dentist who participates in our nationwide PPO network. MAX Choice Plus gives you more value if you visit an out-of-network dentist by paying claims at a higher level of reimbursement than our MAX Choice (PPO MAC) plan option.

Benefits highlights overview:

 

Plan pays*
 1st year2nd year3rd year
Diagnostic and preventive100%100%100%
Basic services40%60%80%
Major services20%40%50%
Orthodontics (up to age 19)10%25%50%
Orthodontic lifetime maximum$1,200$1,200$1,200
Annual maximum$1,000$2,000$3,000
Annual deductible$50/$150$50/$150$50/$150

*Out-of-network fees paid at 80th percentile.

VIEW BENEFIT HIGHLIGHTS


Max Choice Renaissance

MAX Choice plan:

The MAX Choice dental plan provides the same great coverage as MAX Choice Plus with a traditional annual maximum at an even more affordable price.

The MAX Choice dental plan provides the same great coverage as MAX Choice Plus with a traditional annual maximum at an even more affordable price with NO waiting periods. MAX Choice is the least expensive option because the plan encourages individuals to visit a PPO participating dentist.

Benefits highlights overview:

 

Plan pays*
1st year2nd year3rd year
Diagnostic and preventive100%100%100%
Basic services40%60%80%
Major services20%40%50%
Orthodontics (up to age 19)10%25%50%
Orthodontic lifetime maximum$1,200$1,200$1,200
Annual maximum$1,200$1,200$1,200
Annual deductible$50/$150$50/$150$50/$150

*When visiting a PPO dentist, out-of-network fees are paid based on PPO Fee Schedule.

VIEW BENEFIT HIGHLIGHTS


There is a one-time, non-refundable, $35 set up fee charged with the first month’s premium. Rates also include a $1.00 per month for membership in the World Travelers of America, Inc. (WTA) and a $4.00 monthly billing fee. Membership in World Travelers of America, Inc. is required to enroll in this plan. Should you decide to enroll in this dental plan, you will be prompted during the enrollment process to confirm your acceptance of both the membership in WTA and the non-refundable set up charge.

What is World Travelers of America?

World Travelers of America membership provides discounts to benefits and services like theme parks and zoos, hotels, auto, cruise and vacation condos, travel insurance and much more. Individuals must become a member of the World Travelers in order to purchase this dental insurance plan. World Travelers will communicate member information to you via email or by visiting www.worldtravelers.org.

Exclusions/limitations
  • No pre-existing condition exclusions or limitations.
  • Oral exams, prophylaxes (cleanings), and fluoride treatments (up to age 14) are payable twice per calendar year.
  • People with specific at-risk health conditions may be eligible for additional prophylaxes or fluoride treatment.
  • The patient should talk with his or her dentist about treatment.
  • Bitewing X-rays are payable once per calendar year and full mouth X-rays are payable once in any five-year period.
  • Sealants are payable only for the occlusal surface of first permanent molars to age nine and second permanent molars to age 14. The surface must be free from decay and restorations. Sealants are payable once per tooth per 36 months.
  • Crowns, bridges, dentures and implants are payable once per tooth per five-year period.
    Plans not available in IL or NH.
  • Billing and eligibility administration provided by Morgan White Group.

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