The freedom you want to choose the dentists you trust!

• Available as a separate plan if your firm has two or more employees OR can be added to the health insurance plan as an additional benefit with five or more employees.
• Benefits vary, but a typical plan offers a low $50 deductible, 100% preventive care, 75% basic care, and 50% major care benefits up to an annual maximum of $1,000 per covered person per calendar year.

Your choice of three coverage types:

Innovative "Open Access" HMO

Lower premiums than traditional coverage fewer restrictions than HMOs

• No primary care physician required
• Access to a large local network of participating providers
• No referral needed to see a specialist
• Lower out-of-pocket costs for in-network services
• Includes prescription drugs, preventive care, well-baby care, worldwide emergency room care, and optional non-network benefits

Point of Service

• Primary care physician required
• A large network of participating providers
• Low co-pays for in-network services
• Out-of-network benefits included

PPO and Managed Indemnity (Nationwide Network)

• No primary care physician required
• Benefits with a network provider: lower out-of-pocket expenses, no balance billing, no complicated claim forms to complete or track

• Available with or without health insurance to groups of two or more employees
• Up to $100,000 of coverage per employee ($50,000 if included on health insurance plan)
• Dependent coverage also available

Help prepare for accidents and the unexpected!

• Benefits paid on the first day of an accident or the 8th day of an illness, for benefit period options of 13 or 26 weeks, with a maximum weekly benefit of $750
• Available without health insurance to groups with two or more employees (not available with health insurance plan)

To help protect one of your most valuable assets - your income

• Available to groups with 10 or more employees
• Benefits paid at 60% of salary up to a maximum of $6,000 a month to age 65
• Features an "Own Occupation" disability option