Offers individual and business dental insurance including an e-marketplace to compare national coverage plans.

 

Thank you for your interest in selling the Security Life Insurance Company of America insurance indemnity dental plan administered by MultiFlex. You must be licensed in each state you sell this dental plan, and maintain a minimum of $100,000 E&O coverage for this product type. Your commission is 10% (except on any fees charged by the carrier). You will find the dental insurance plan benefits noted below.

Please do not fax or email the agent application to us as we need the originals. If you have additional questions please feel free to contact us during regular business hours. Complete the requested information below, submit, and then check your email for the insurance company appointment instructions.

 
AGENT APPOINTMENT REQUEST
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All members and their spouses, regardless of age, and their children under 19 (23 if a full-time student, in GA to age 25) can enroll in this dental insurance plan. This is an extensive dental insurance plan created to offer you the protection and dental care flexibility at an affordable cost. This indemnity dental insurance plan allows you to select any licensed dentist for service... and when you buy this dental insurance plan, you receive one of the best dental plans for basic, preventative and major dental services in the country. 

Select Your Own Dentist

Enjoy this dental insurance plan by selecting your own personal dentist... and best of all, the hassle of finding a dental office within a network is gone! The plan will pay for your covered expenses (a covered person must incur all eligible expenses while the policy is in force) when the dental services are performed by:

  • a licensed dentist acting within the scope of his/her license;

  • a licensed physician performing dental services within the scope of his/her license, and/or;

  • a licensed dental hygienist acting under the supervision and direction of a dentist.

Affordable Monthly Premiums

Monthly premiums are based upon the area you live in, age of the oldest member and the maximum calendar benefit you wish to purchase. Benefits will be paid for reasonable and customary fees as defined by the plan policy. This plan has a maximum calendar year benefit for all services of $1,000, $1,500 or $2,000 per person depending on the plan selected, rates include a $5 administrative fee.


 * You only have to pay one calendar year deductible across all classes of benefits.
$50 Member deductible, $100 Member plus one deductible, $150 Family deductible.
$75 Member deductible, $100 Member plus one, $150 Family deductible.

Review Dental Insurance Plan Benefits
  
EXAMPLE SCHEDULE  OF  DENTAL  BENEFITS
Group Master Policy Form Number: GH-1112-38200
 

Waiting Period

 Multiflex Covers Multiflex Pays Your Co-Payment
Preventive Dental Services
Benefits Begin Immediately
• Two Routine Exams of Mouth and Teeth per calender year
• Two Cleanings and Polishings per calendar year
• Space Maintainers
Under age 65
 100% of all covered charges
• 0% Coinsurance
• $50 per member Calendar year deductible*
Over age 65
 80% of all covered charges
• 20% Coinsurance
• $75 per member Calendar year deductible*
Basic Services
Benefits Begin After Six Months
• Extraction of Teeth
• X-rays
• Pin Retention of Fillings
• Fillings
• Antibiotic Injections
Under age 65
 80% of all covered basic services
• 20% Coinsurance
• $50 per member Calendar year deductible*
Over age 65
 80% of all covered basic services
• 20% Coinsurance
• $75 per member Calendar year deductible*
Major Services
Benefits Begin After 18 Months
• Oral Surgery
• Endodontic Treatment of Disease
• Periodontic Services
• Crown Build Up
• Recementing
• Denture or Bridge Repair
• General Anesthesia and Analgesic
• Restoration Services
• Prosthetic Services
Under age 65
 50% of all covered major services
• 50% Coinsurance
• $50 per member Calendar year deductible*
Over age 65
 50% of all covered major services
• 50% Coinsurance
• $75 per member Calendar year deductible*
The plan will pay the usual and customary charge for dental procedures and services after any required deductible amount as shown below.

Effective Date:
 

Your order must be received by the 5th day of the month for coverage to start on the 1st of the same month. Otherwise, the coverage will not start until the 1st day of next month. You and Your Dependents are covered on the later of: the date We accept Your enrollment and determine an effective date; or the date You first acquire a Dependent, if the date is after Your coverage begins.

If you have any questions regarding the effective date of the policy, please feel free to contact our office during regular business hours Monday - Friday 9am - 4pm (Los Angeles, California) PST.

Class A:  Preventive Services Include:

  1. Two routine (including any initial exam) examinations of mouth and teeth per calendar year;
  2. Two prophylaxis (cleaning and polishing teeth) per calendar year;
  3. One topical fluoride per calendar year to age 16;
  4. Space maintainers to preserve space between teeth for premature loss of a primary baby tooth.  This does not include use for orthodontic treatment.

Class B:  Basic Services Include:

  1. Simple extraction of teeth;
  2. Bitewing x-rays, 2 per calendar year;
  3. One diagnostic x-ray, full or panoramic in any 3 year period, and;
  4. Pin retention of fillings;
  5. Fillings of amalgam, silicate, acrylic, synthetic porcelain and composite filling materials (restorations of mesioilingual, distolingual, mesiobuccal and distobuccal surfaces considered single surface restorations);
  6. Antibiotic injections administered by Dentist.

Class C:  Major Services Include:

  1. Oral surgery, including post-operative care for:
    1. removal of teeth, including impacted teeth;
    2. extraction of tooth root;
    3. alveolectomy, alveoplasty and frenectomy;
    4. excision of periocoronal gingiva, exostosis or hyperplastic tissue and excision of oral tissue for biopsy;
    5. reimplantation or transplantation of a natural tooth; and
    6. excision of a tumor or cyst and incision and drainage of an abscess or cyst.
  2. Endodontic treatment of disease of the tooth, pulp, root and related tissue as follows:
    1. root canal therapy (not covered if pulp chamber was opened before covered);
    2. pulpotomy;
    3. apicoectomy; and;
    4. retrograde fillings.
  3. Periodontic services, limited to:
    1. two prophylaxis following surgery per calendar year;
    2. root scaling and planing, once per quadrant of mouth in any 6 month period;
    3. occlusal adjustment, performed with covered surgery;
    4. gingivectomy, gingival curettage and mucogingival;
    5. osseous surgery including flap entry and closure;
    6. pedical or free soft tissue grafts; and
    7. one appliance (night guards) in 5 year period.
  4. One study models in 3 year period;
  5. Crown buildup for non-vital teeth;
  6. Recementing inlays, onlays and crowns;
  7. Recementing bridges;
  8. One repair of dentures or bridges in any 2 year period, limited to 20% of cost of replacement;
  9. General anesthesia and analgesic, including intravenous sedation for oral surgery;
  10. Restoration services, limited to:
    1. gold or porcelain inlays, onlay, and crowns for tooth with extensive caries or fracture that is unable to be restored with an amalgam, silicate, acrylic, synthetic porcelain or composite filling material;
    2. replacement of existing inlay, onlay or crown after 5 years of the restoration initially placed or last replaced.  This limitation will not apply if replacement is necessary due to the extraction of functioning natural teeth while covered;
    3. stainless steel crowns;
    4. post and core.
  11. Prosthetic services, limited to:
    1. initial placement of dentures or fixed bridgework (including acid etch metal bridges), when denture or bridgework includes replacement of a natural tooth extracted or lost while covered under the Policy.  This limitation ends after covered under the Policy for 36 months;
    2. replacement of dentures or fixed bridgework that cannot be repaired after 5 years from the date of placed or last replaced;
    3. addition of teeth to existing partial denture, only if to replace natural teeth extracted or lost while covered under the Policy.  This limitation will not apply after covered under the Policy for 36 months;
    4. relining or rebasting of existing removable dentures, only after one year from date the denture was placed and only once in any 2 year period.

Additional Important Information

Eligible Expenses:

We will pay for Eligible Expenses You incur for Yourself or on behalf of Your insured Dependent. Expenses must be incurred while the Policy is in force and the person is covered by the Policy. The description of Eligible Expenses is shown in the Coverage Schedule. To be an Eligible Expense, the dental service or procedure must be performed by a Dentist, a Physician or a Dental Hygienist.

Expenses Incurred:

An Eligible Expense is considered incurred on the following dates: For full and partial dentures - the date the final impression is taken; for fixed bridges, crowns, inlays and onlays - the date the teeth are first prepared; for root canal therapy - on the date the pulp chamber is opened; for periodontal surgery - on the date surgery is performed; for all other services - the date the service is performed.

Deductible Amount:

The calendar year Deductible, if any, is shown in the Coverage Schedule. The Deductible is an amount of charges You must incur for Yourself or on behalf of Your insured Dependent before We start paying benefits.

Maximum Calendar Year Limit:

The maximum limit payable for all Eligible Expenses in any calendar year is shown in the Coverage Schedule. The Maximum Calendar Year Limit, if any, will apply to each person covered under the Policy.

Pretreatment Review:

If the Course of Treatment will exceed the amount shown in the Coverage Schedule, We will request prior review. We must be given the Dentist’s treatment plan consisting of a description of the planned treatment with estimated charges and diagnostic x-rays. We will determine Eligible Expenses and state how much We will pay for the treatment. Our determination may suggest an alternate less expensive Course of Treatment if it will produce professionally satisfactory results. If You do not request a pretreatment review We will pay for the least expensive method of treatment regardless of the method actually used.

Coordination of Benefits:

If any person under the Policy (referred to as "this Plan") is also covered under one or more other plans, the benefit under this Plan will be coordinated with benefits payable under all other plans.

Alternate Benefit:

If: 1) We determine that a less expensive alternate procedure, service or Course of Treatment can be performed in place of the proposed treatment to correct a dental condition; and 2) the alternative treatment will produce a professionally satisfactory result; then the maximum We will allow will be the charge for the less expensive treatment.

Eligibility:

Individuals, 18 years of age or older, plus their eligible dependents (spouse and unmarried children from birth to age 19; extended to age 23 if child is a full-time student). This is subject to State requirements.

Termination of Coverage:

Coverage terminates on the earliest of the following dates: (a) the last day of the month in which You cease to be eligible for coverage; (b) the last day of the month in which Your Dependent is no longer a dependent as defined; (c) subject to the Grace Period, the last day of the month for which a premium has been paid by you or on your behalf; (d) or the date the Master Policy ends.

Reasonable and Customary:

Reasonable and Customary means the usual, customary and regular charges for the area where such expenses are incurred.

Dental Expenses NOT Covered:
  1. For overdentures and associated procedures for charges in excess of those considered reasonable and customary;
  2. For cosmetic procedures;
  3. For the replacement of dentures, bridges, inlays, onlays or crowns that can be repaired or restored to normal function;
  4. For implants and for replacement of lost or stolen appliances, replacement of retainers, athletic mouthguards, precision or semi-precision attachments, denture duplication;
  5. For oral hygiene instructions and for plaque control, completion of a claim form, acid etch, broken appointments, prescription or take-home fluoride, or diagnostic photographs;
  6. For services not completed by the end of the month in which coverage ends unless continuation of coverage has been requested and accepted by Us;
  7. For procedures that are begun, but not completed;
  8. For services and treatment provided without charge or for which there would be no charge in the absence of insurance;
  9. For services in connection with war or any act of war, whether declared or undeclared, or condition contracted or accident occurring while on full-time active duty in the armed forces of any country or combination of countries;
  10. For a condition covered under any Worker's Compensation Act or similar law; that are applied toward satisfaction of a Deductible, if any; that are generally considered by the dental profession as experimental or investigational;
  11. For the treatment of cleft palate and anodontia;
  12. For services or supplies payable under any medical expense plan;
  13. For orthodontia, unless included within Coverage Schedule;
  14. Prior to the date the Insured is covered under the Policy;
  15. For the diagnosis or treatment of TMJ;
  16. For hospital services;
  17. For any unmarried child age 19 years of age and over unless he is dependent upon You for support, while a full-time student. A full-time student is one who is enrolled for 12 semester hours for credit in an accredited junior college, college or university. Any exception for a full-time student will end at age 23;
  18. During any waiting period We require, when You voluntarily end Your insurance and re-enroll at a later date, Your waiting period is 2 years and begins on the date Your coverage first ended.

IMPORTANT FRAUD NOTICES

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

STATE SPECIFIC NOTICES:

Arkansas/ Louisiana - Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly present false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Colorado - It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policy holder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

District of Columbia - WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.

Kentucky - Any person who knowingly and with intent to defraud any insurer or other person files an application for insurance containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act which is a crime.

New Mexico - Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties.

Ohio - Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

Pennsylvania - Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals, for the purpose of misleading, information concerning any fact material hereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Tennessee - It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

Virginia - It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

IMPORTANT INFORMATION - upon receipt of your completed application you will receive a copy of your Certificate of Insurance and Identification Card(s). Do not cancel any other dental coverage you may have until you receive written confirmation from Security Life. Please allow 3-4 weeks for processing.
 

 

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Last Updated: 01/24/2007 23:11:49

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