FDI Agent News

Best LIFE: Dental, Vision, Life/AD&D – a variety of products with benefit options to suit almost any need (Posted 4/15/09)

Allied National Product Updates (Posted 4/6/09)

New Boston Mutual Product – Pay Day Protector (Posted 4/6/09)

AlwaysCare has an individual dental plan!

AlwaysDental for Individuals & Family. See attachment for partial listing of hundreds of insured covered dental procedures (and a vision insured benefit), applicable limitations and reimbursement amounts. Benefits will be paid as listed in the schedule of Covered Procedures in the policy, subject to policy year deductible, annual maximum, and limitations and exclusions.

AlwaysDental pays the lesser of the provider's actual charge or the amount listed in the Schedule of Covered Dental Procedures. The plan includes a $1000 max per year for each covered family member and 2 cleanings and exams per year. There is a $50 deductible for each covered member and a 12 month wait for major services. Access to discount networks is also included.

There’s no guesswork. All you do is present your card and, in most cases, your dentist will submit your claim (or you may send it to AlwaysCare). For preventive care and basic dental services, coverage begins the very first day. No waiting! Please ask for information about the on-line application.

For most common procedures, like oral exams,  x-rays and cleanings, etc, and even for fillings, gum treatment and root canal therapy, the plan will pay from 55% - 72% of the cost, when using a participating provider. See Dentemax fee charts for Areas 3 (Detroit) and 2 (Gd Rapids, Lansing and Saginaw) and compare what Dentemax dentists charge vs the plan allowances. Provider networks for dental and vision are one more reason to choose AlwaysCare!