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Competitor Smile Dental

Security Life Dental Plan
                                               


Competitor Smile Dental offers you access to high quality, affordable dental coverage for your entire family. Coverage is provided for preventive, basic and major dental services.
                                                                          
Dental Insurance approved in minutes!
  • Get a free, no obligation quote
  • Online application
  • Instant approval if qualified
  • Payment by Credit Card, Check or
    Automatic Check Withdrawal
  • Print your policy information

Exclusive Features:

  • Freedom to choose any Dentist
  • Choice of $750, $1,000 or $1,500 calendar year maximum
    per insured person
  • No waiting periods
  • Eligible for ages 18 years through 64 and older
  • 12 month rate guarantee
  • Benefits for preventive, basic, and major services
  • Direct Bill, Automatic Bank Draft, Visa, MasterCard, or Discover
The Ideal Solution For:
  • Individuals and families
  • Business owners and employees

Who is eligible for this coverage?

This plan is offered to individuals and their spouse ages 18 through 64 and their eligible dependents (unmarried children from birth to age 19 or 23 if a full-time
student - this is subject to state requirements.) Coverage may also be obtained by individuals and their spouse ages 65 and older.

When does my coverage start?

Coverage starts on the effective date. The effective date issued will begin on the 1st of the month (at 12:00 a.m.), following HPA, Inc.'s receipt of the completed Enrollment Form and payment of the first month of premium.

Underwritten by:
Security Life Insurance Company of America
Minnetonka, Minnesota

Administered by:
Health Plan Administrators, Inc.
Rockford, IL

How are benefits covered?
Competitor Smile Dental pays benefits for each covered person in the following manner:

First, you meet the $50.00 Calendar Year Deductible per person.
(Maximum of three individual deductibles per family)

Then Competitor Smile Dental pays a percentage
of covered expenses based on the Reasonable and Customary (R&C) fees for those Covered Expenses. You can select your own dentist.

SERVICES GOLD SILVER BRONZE
Calendar Year Maximum
(Per Person)
$1,500 $1,000 $750
 
Preventive: Exams, Cleaning, Fluoride Treatments
Year One 100% 100% 100%
Year Two 100% 100% 100%
Year Three and After 100% 100% 100%
Waiting Period None None None
 
Basic: X-rays, Fillings, Extractions and Oral Surgery
Year One 20% 20% 20%
Year Two 40% 40% 40%
Year Three and After 60% 60% 60%
Waiting Period None None None
 
Major: Crowns, Bridges, Dentures and Root Canals
Year One 10% 10% No Coverage
Year Two 25% 25%
Year Three and After 50% 50%
Waiting Period None None
 
Calendar Year Maximum
(Per Person)
$1,500 $1,000 $750

Who is eligible for this coverage?
This plan is offered to individuals and their spouse ages 18 through 64 and their eligible dependents (unmarried children from birth to age 19 or 23 if a full-time student this is subject to state requirements.) Coverage may also be obtained by individuals and their spouse ages 65 and older.

When does my coverage start?
Coverage starts on the effective date. The effective date issued will begin on the 1st of the month (at 12:00 a.m.), following HPA, Inc.s receipt of the completed Enrollment Form and payment of the first month of premium.

What are my payment options?
You can pay in monthly installments by check, credit card, or auto bank withdrawal. We accept MasterCard, Visa or Discover credit cards.

What services are covered?

Preventive Services

Routine oral examinations of mouth and teeth: 2 per calendar year

Prophylaxis
(cleaning, scaling and polishing teeth), 2 per calendar year

Topical fluoride,
1 per calendar year to age 16

Space maintainers
(non-orthodontic)

Basic Services

Diagnostic X-rays (full or panoramic), 1 in any 3 year period

Bitewing X-rays:
2 per calendar year

Simple extraction
of one or more teeth

Pin retention
of fillings

Fillings
(restorations) using amalgam, silicate, acrylic, synthetic porcelain and composite filling materials

Antibiotic injections
administered by a Dentist

Oral surgery
and postoperative care for removal of one or more teeth, extraction of tooth root, alveolectomy, alveoplasty, frenectomy, excision for biopsy, reimplantation or transplantation of a natural tooth, excision of a tumor or cyst and incision and drainage of an abscess or cyst

General anesthesia
and analgesic, including intravenous sedation for oral surgery

Major Services

Endodontic treatment of diseases of the tooth, pulp, root and related tissue

Periodontic services


Study models
,
1 in a 3 year period

Crown build-up
for non-vital teeth

Recementing and restoration of inlays
, onlays and crowns

Recementing bridges


Repairs to full or partial dentures
or bridges, one every 2 years

Prosthetic services
(dentures or bridgework)

What is a Reasonable and Customary Fee?
This plan reimburses you for covered dental expenses based upon "Reasonable and Customary" fees. Reasonable and Customary fees are charges that do not exceed the general level of charges being made by other providers of dental services in the geographic area where the charge is incurred.

This site provides a brief description of the benefits, exclusions and other provisions of the policy or certificate Form Master Policy #GH-1112-38090 issued to the Voluntary Group Trust. For a complete listing, see the policy or certificate. Benefits may vary in different states. This dental insurance plan may not be available in all states. 2003 HPA, Inc. All rights reserved. S105121 (10/03)

                                                                   



Secure STM is the brand name used for products underwritten and issued by
Standard Security Life Insurance Company of New York
Rated A (Excellent) by A.M. Best Reports


License #'s: for Lewis Fink, agent, CA: OC38446 MT: 29724 F00-0283-LC 

This  product may not be available in all states.
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