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INDIVIDUAL - FAMILY
DENTAL INSURANCE

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InsuranceCompany.com has been a specialist in dental insurance programs since 1983... and we welcome you to the Multiflex dental insurance plan underwritten by Monumental Life Insurance Company, Baltimore, MD., based upon your dental selection.

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.
 

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Multiflex is an extensive individual 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 the Multiflex dental insurance plan, you receive one of the best dental plans for basic, preventative and major dental services in the county. 

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. 

Here's how to determine your Monthly Premium: 

1. Select the age group based upon the "oldest member" 
2. Select which Maximum dental benefit plan you want ($1000, $1,500, $2,000)
3. Select your coverage type (Member, Member + One, Family)
4. Find the Monthly Premium that corresponds with your options

 
MultiFlex Dental Plan 
Annual Calendar Benefit

  MONTHLY  PREMIUM   INFORMATION

   Age 64 and Under   
Member
$50 Deductible		 Member + One
$100 Deductible		 Family 3+
$150 Deductible
$1,000 Maximum $32.23 $56.38 $83.10
$1,500 Maximum $34.96 $61.52 $90.91
$2,000 Maximum $36.31 $64.09 $94.82
* You only have to pay one calendar year deductible across all classes of benefits.
$50 (Member) deductible, $100 ( Member + One) deductible, $150 ( Family 3+) deductible.

 
MultiFlex Dental Plan 
Annual Calendar Benefit		 MONTHLY  PREMIUM   INFORMATION
   Age 65 and Over   
Member
$75 Deductible		 Member + One
$150 Deductible		 Family 3+
$225 Deductible
$1,000 Maximum $34.74 $55.70 $82.05
$1,500 Maximum $37.72 $60.78 $89.77
$2,000 Maximum $39.20 $63.31 $93.62

 * You only have to pay one calendar year deductible across all classes of benefits.
$75 ( Member) deductible, $150 ( Member + One) deductible, $225 ( Family 3+) deductible.

Review Your Dental Benefits
  
SCHEDULE  OF  DENTAL  BENEFITS
Group Master Policy Form Number: DEN1000GPM
Certificate Form Number DEN1000GCM
Area 2
Verify Your Service Area - Zip Code - Click Here  Wrong State or Zip Code ?? Click Here...
States: AL, AR (only 720-722), ID, IN (except 460-466), IA (only 500-503), KS (except 660-666 & 670-672), KY, MS (only 390-392), NE (only 680-681), NM (except 870-875), NC (only 271-282), OH (except 440-444), OK (except 730-731 & 740-748), PA (except 150-153 & 180-181 & 189-194), TN (only 370-374 & 380-383), WV, WI (except 535-538), WY 
 

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, Scalings, 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 6 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.

Class A:  Preventive Services Include:

  1. two routine (including any initial exam) examinations of mouth and teeth per calendar year;
  2. two prophylaxis (cleaning, scaling 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.
Multiflex Does Not Cover.

If the course of treatment will exceed $300, the insurance company will require prior review. If (1) the company determines 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 alternate treatment will produce a professionally satisfactory result, then the maximum the insurance company will allow will be the charge for the less expensive treatment.

No Benefits will be paid for expenses incurred.

  1. for overdentures and associated procedures;
  2. for charges in excess of those considered reasonable and customary;
  3. for cosmetic procedures;
  4. for the replacement of dentures, bridges, inlays, onlays or crowns that can be repaired or restored to normal function;
  5. for implants; and for:
    1. replacements of lost or stolen appliances;
    2. replacement of retainers;
    3. athletic mouthguards;
    4. precision or semi-precision attachments;
    5. denture duplication; or
    6. sealants.
  6. for oral hygiene instructions; and for:
    1. plaque control;
    2. completion of a claim form;
    3. acid etch;
    4. broken appointments;
    5. prescription or take-home fluoride; or
    6. diagnostic photographs.
  7. for services not completed by the end of the month in which coverage ends, unless continuation of coverage has been requested and accepted by Monumental Life Insurance Company;
  8. for procedures that are begun but not completed;
  9. for services and treatment provided without charge or for which there would be no charge in the absence of insurance;
  10. 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;
  11. for a condition covered under any Worker’s Compensation Act or similar law;
  12. that are applied toward satisfaction of a Deductible, if any;
  13. that are generally considered by the dental profession as experimental or investigational;
  14. for the treatment of cleft palate and anodontia;
  15. for services or supplies payable under any medical expense plan;
  16. for orthodontia;
  17. prior to the date the Insured is covered under the Policy;
  18. for the diagnosis or treatment of TMJ;
  19. for hospital services;
  20. 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 (25 in GA);
  21. 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. 800-02
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Members can save on all dental charges and procedures including dental restorative cosmetic work (fillings, dental crowns, dental braces, dental implant's) and dental product related items, etc.), dental hygiene services, preventative work (teeth cleaning, x-rays, etc).  General dentistry, dental hygienist, dental assistant, dental assisting and all specialties where available are covered.

DENTAL INSURANCE COVERAGE
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