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Renaissance Dental Insurance Review


Rating: 7.7 / 10 (Very good)
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Renaissance Dental, part of the Renaissance Family of Companies, is a dental insurance provider with over 55 years of experience in the industry. The company, founded in 1957 and headquartered in Indianapolis, Indiana, has 300,000 access points across the nation and offers fully-insured dental plans with two levels of coverage for groups of all sizes.

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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Customer Comments & Reviews

Loading Reviews ...
LaVerne R
Charleston, South Carolina
11/14/2017
Truly Worthless !!!!!


Sarah L
Glenwood Springs, Colorado
10/10/2017
worthless!!!!! Covered absolutely none of my dental work and I am now in major debt and in complete shock by how much. The customer service is atrocious! STAY AWAY from this joke of an insurance company!


R
Rebekah
10/6/2017
If I could give negative stars I would! I thought I was covered but cost me over 200 dollars just to get a cleaning and exam with an in network dentist! The lady at the front deck of the dentist called and confirmed my covered and percentage but once she filed the claim and printed out my benefits renaissance insurance does NOT cover exams and cleanings after being told by 5 people who work there I am covered 80%.when I called them they refused to answer any questions I had.Needless to say its a piss poor insurance company who takes your money! Iam now left with needing major work down and no way of paying


Elaine R
Brooklyn, New York
9/28/2017
literally the worst company ever. I have talked to SEVEN different people who have told me 3 sites to go to just to have to get an appointment scheduled. literally cried on the phone with a service rep because I am so upset and frustrated. plus, the places they have listed on the site that are covered aren't actually covered and cost me 100 out of pocket because of so



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Our Partner
9.8 / 10
  • Unlimited Use
  • Pre-Existing Conditions Included in Plan Savings
  • Plans Start at $99/Year for Discounted Rates on Dental Procedures
  • 100,000+ Dental Access Points Nationwide
  • A+ Grade with the BBB
  • Voted #1 in Ethics by Dallas Morning News
  • Discount Dental Plan (Not Insurance)