Renaissance Dental Insurance Review

#11 in Dental Insurance

Renaissance Dental Review

Renaissance Dental offers flexible and specialized dental insurance coverage for individuals, families and groups. It is the flagship product of Renaissance Life & Health Insurance Company of America and Renaissance Health Insurance Company of New York.

 

What's included with Renaissance Dental's Max Choice Plan?

If you visit a dentist that participates in the Renaissance PPO network, you will never have to pay charges that exceed the negotiated rates for covered services (also known as balance billing). If you go to a nonparticipating dentist, you will be responsible for the difference between Renaissance Dental’s allowed amount and the amount charged by the nonparticipating dentist. The allowable amount is the amount that Renaissance has agreed to pay a dentist for a certain service.  If the amount charged by a nonparticipating dentist exceeds the allowable amount, then you are responsible for paying the difference (also known as balance billing). 

Benefits of choosing a Renaissance PPO in-network dentist:

  • Lower out-of-pocket expenses.
  • No paperwork! Your dentist will fill out all forms and file claims for you.
  • No extra charges! You’re responsible only for your deductible and/or co-insurance charges.
  • You will not have to pay charges that exceed the negotiated rates for covered services (Balance billing).

 

Plans reviewed

Max Choice Plus and Max Choice

 

How much does it save you?

Renaissance has two plans that offer the same amount of benefits. However, its Max Choice Plus plan is designed to provide maximum savings for those who opt to work with dentists outside its PPO network.

 

1st Year

2nd Year

3rd Year

Diagnostic and preventive

100%

100%

100%

Basic services

40%

80%

90%

Major services

20%

50%

60%

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

 

 

Premiums

 

Member only

Member plus one dependent

Member plus two or more dependents

 

Max Choice Plus

Max Choice

Max Choice Plus

Max Choice

Max Choice Plus

Max Choice

Area 1

$34.47

$24.68

$61.79

$43.64

$86.77

$64.58

Area 2

$37.72

$26.89

$68.05

$47.92

$95.82

$71.16

Area 3

$41.34

$29.33

$75.02

$52.69

$105.93

$78.46

Area 4

$45.34

$32.04

$82.74

$57.97

$116.96

$86.57

Area 5

$49.78

$35.06

$91.31

$63.83

$129.32

$95.56

Area 6

$54.73

$38.40

$100.81

$70.34

$143.02

$105.53

Area 7

$60.21

$42.10

$111.37

$77.56

$158.24

$116.63

 

 

Rating Areas

Area 1

AL, DC, KY, MS, MT, WV

Area 2

AR, KS, LA, NC, ND, NE, PA, SC, TN, VA

Area 3

GA, HI, IA, IN, MD, NM, SD, TX, WY

Area 4

CO, FL, ME, MN, MO, OH, OK, RI, VT

Area 5

CT, DE, MA, MI, NY, WI

Area 6

AZ, ID, NV, OR, UT

Area 7

AK, CA, NJ, WA

 

Fine print

There is a one-time, non-refundable, $35 set up fee charged with the first month’s premium. Rates also include $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.

 

Annual Maximum

Starts at $1,000 during the first year and grows to $3,000 the third year

Treatments covered and Reimbursement

Renaissance covers preventive, basic and major services.  Coverage for preventive services is 100% for both plans and the amount covered for basic and major services increase with each year.

Summary

An extensive network of over 200,000 dentists and 100% coverage for preventive services makes Renaissance dental insurance's offer difficult to resist. Its two dental insurance plans are identical to its Max Choice Plus, giving better savings to those visiting out-of-network dentists, albeit with a higher premium.  Maximum annual payouts start at $1,000 but steadily grows up to $3,000 by the third year. Renaissance is a solid choice for dental insurance shoppers searching for good savings without sacrificing coverage.

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