MedSouth Life & Health

Coverage that is Extensive not Expensive!

ESSENTIAL DENTAL SOLUTIONS PLAN
JUST WHAT YOUR FAMILY NEEDS
Essential Dental Solutions Plan covers the services your family needs for good oral health! It is affordable because it focuses on providing the benefits that you and your family need to maintain good oral health, not on benefits you may never use!
Everyone is accepted and there are no deductibles or benefit waiting periods, so you and your family can start using the dental benefits right away.
 
Covered Service In Network Benefit Benefit Guidelines
Preventative & Diagnostic Services
Periodic Oral Exam (Office Visit) 100%* Twice per year***
Prophylaxis (Teeth Cleaning) 100%* Twice per year***
Bitewing X-Rays 100%* One set every year***
Full Mouth X-Rays Discount (Average 42%)**
Basic Services
Resin-Based Composite (Fillings) 100%* One filling per year (two surfaces)***
Additional Fillings Discount (Average 32%)**
Major Services
Root Canals Discount (Average 34%)**
Surgical Extractions Discount (Average 31%)**
Crowns Discount (Average 27%)**
Upper Denture Discount (Average 48%)**
Orthodontia Discount (Average 20%)**
OTHER PLAN PROVISIONS
Annual Deductible None
Benefit Waiting Periods None
Annual Benefit Maximum $500 per listed family member
The Essential Dental Solutions program may not be available in all states.
 
The Dental Plan is provided through a group policy issued to the National Congress of Employees Association located in Washington, D.C. This affordable Dental Plan is administered by Group Dental Service, a company that has been providing quality dental plans and services for over 42 years.
*Members can receive benefits from any provider! However, benefits are calculated using a Maximum Allowable Charge. Maximum Allowable Charges are limitations on billed charges and are based on fees paid to Network Providers in the geographic area where the expenses are incurred. For Out of Network Providers, members are responsible for amounts charged by the provider that exceed benefits, and may be required to remit payment at the time of service.
**Active Members will enjoy discounts, on average 20% to 50% off standard fees, on other covered dental procedures when you see a participating Network Provider. Members who see an Out of Network Provider will not be entitled to a discount. Discounts will vary by provider and location.
***The Benefit Guidelines are for each listed family member and the benefits cannot be transferred or combined between members.
 
Notices:
To be eligible to receive these insurance benefits all members must be an active dues paying member of National Congress of Employees Association (NCE). This insurance plan is underwritten by National Guardian Life Insurance Company, NAIC # 66583, domiciled in Wisconsin with their principal place of business located at 2 East Gilman St., Madison, WI 53703, and is licensed in Washington D.C. National Guardian Life is not affiliated with The Guardian Life Insurance Company of America, aka The Guardian or Guardian Life. These benefits are provided under the Group Dental Policy (Policy Form NDNGRP 04/06) issued to the NCE and are subject to the exclusions, limitations, terms and conditions of coverage as set forth in the Certificate of Insurance. The insurance premiums for these benefits are paid by NCE out of membership fees collected. The membership fees charged for this program are not insurance premiums. The dental product may vary by State and may not be available in all States.
 
NCEA Membership Benefits
1. Essential Dental Solutions
2. Dental Financing
3. Prescription Drug Program - Walk-In
4. Prescription Drug Program - Mail Order
5. World Wide Assistance
6. Vitamins & Suppplements Discounts
7. Hearing Program
8. FTD Flowers Discounts
9. Car and RV Rental Discounts
10. Automotive Discounts
11. Real Estate Rebate
12. Discount Cruises
13. Theme Park Discounts
14. Dining, Entertainment & Travel Discounts
The Essential Dental Solutions program may not be available in all states.
 
Disclosures
  • THIS MEMBERSHIP DOES NOT INCLUDE A HEALTH INSURANCE POLICY
  • This membership plan provides discounts at certain health care providers for dental services.
  • This membership plan does not make payments directly to the providers of medical services.
  • Each Member and their family members are obligated to pay for all dental care services they receive that exceed the Annual Benefit Limit but will receive a discount from those health careproviders who have contracted with the Association’s Dental Insurance Provider.
 
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