Assurant dental coverage offers a preferred provider network of more than 100,000 unique dentists nationwide and calculates benefits based on up to 95th percentile of usual and customary cost depending on the plan, according to its official website. It provides plans with a variety of choices in deductibles, coinsurance levels and annual benefit maximums.
Claims processing is quick with state-of-the-art scanning equipment, notes Assurant. Claims status, benefits and much more information is available online. The consumer online education system includes a dental health center, cost estimator and an ask-a-dentist service. Assurant's Lifetime of Smiles program helps improve the overall health of subscribers by focusing on periodontal health.
With Assurant dental plans, employers can choose from a variety of options for their employees, explains Assurant. They can create plans specific to their employee groups. These plans include preferred provider network plans in addition to the Lifetime of Smiles plan. Dental health maintenance organization plans provide employees and their families with a range of dental services from in-network providers. These plans, prepaid by employers, have fixed copayments for employees with no deductibles or waiting periods. Dental administration services only plans serve groups funding their own dental plans.
As of 2015, Assurant provides a vision discounts program with its dental coverage, notes Assurant. The plan provides immediate savings from regular retail prices for eye exams and eyeglasses from participating providers.