PLANS
Choosing a dental insurance plan can be overwhelming. That’s where this page comes in handy. Whether you are very familiar with dental insurance plans or need a refresher, we’ve created a guide to help walk you through all of Denali’s options, Still have questions when you’re done, that’s ok, chat with a licensed specialist or find your plan here.
The Denali Summit Plan
The Denali Summit plan pays the following percentages of the allowed amounts: 100% for Preventative Services, 50% for Diagnostic Services, and 30% for Basic and Major services in the first year. In the second year, coverage for Diagnostic Services increases to 75% and for Basic and Major services 40%. In the third year, coverage for Diagnostic Services increases to 90% and for Basic and Major Services, 50%. In the fourth year, coverage for Basic and Major Services increases to 60%.The Denali Summit plan includes Orthodontic services at 10% in year 1, 25% in year 2, 40% in year 3, and 50% in year 4.
The Denali Peak Plan
The Denali Peak plan pays the following percentages of the allowed amounts: 80% for Preventative Services, 50% for Diagnostic Services, and 30% for Basic and Major services in the first year. In the second year, coverage for Diagnostic Services increases to 60% and for Basic and Major services 40%. In the third year, coverage for Diagnostic Services increases to 70% and for Basic and Major Services, 50%. In the fourth year, coverage for Diagnostic Services increases to 80% and for Basic and Major Services, 60%.
The Denali Ridge Plan
The Denali Ridge plan pays the following percentages of the allowed amounts: 100% for Preventative Services, 50% for Diagnostic Services, and 10% for Basic and Major services in the first year. In the second year, coverage for Diagnostic Services increases to 60% and for Basic and Major services 25%. In the third year, coverage for Diagnostic Services increases to 70% and for Basic and Major Services, 40%. In the fourth year, Diagnostic Services increases to 80% and for Basic and Major Services 50%.
Preventative Service Examples:
- Two exams per calendar year
- Four cleanings per calendar year
Diagnostic Service Examples:
- One series of bitewing X-rays per calendar year
- Flouride treatments limited to dependents under age 16
- Sealants limited to under age 14, one treatment per tooth for the occlusal surface of firs and second permanent molars, one in any 3 year period.
Basic and Major Service Examples:
- Basic fillings
- Simple extractions
- One diagnostic X-ray, full or panoramic in any 3 year period
- Oral surgery
- Endodontic treatment
- Periodontic treatment
- Restoration services - inlays, onlays, and crowns
- Prosthetic services - bridges and dentures
- Veneers (restorative only)
- Endosteal implants
All Denali plans use the Renaissance Network. This network provides access to more than 300,000 dental locations throughout the nation.
Plans for Families, Individuals, and Seniors
Every Denali dental plan allows for four dental cleanings annually, as well as two exams per year. Plus, there is coverage for major dental services, along with an annual maximum of up to $6,000. And you don’t have to worry about any waiting periods when you need immediate care!
The right Denali plan can cover your entire family, ensuring that every member of your household is able to receive the preventative care that will keep their smile bright and beautiful.
Concerned your child might need braces? We’ve made sure that coverage is available in our Denali Summit plan.
Children’s Orthodontic Coverage
Even if you are searching for an individual dental care plan, Denali has you covered. Like all of our other plans, you can expect to get the care and cleanings you need annually, and you will only have a one-time, Lifetime $100 In-Network deductible or Lifetime $200 Out-Of-Network deductible for the Summit and Ridge plans and a $250 Lifetime deductible for the Peak plan. Hello, savings!
Seniors shouldn’t ignore their dental health either, but their limited budgets can often prevent them from getting the coverage that they need. With Denali, though, you won’t run into any age limits, and you can enjoy guaranteed acceptance. So you can get your checkups, cleanings, and other major services, including implants, to help your youthful and strong.
Costs
The Summit and Ridge plans have a one-time, Lifetime $100 In-Network deductible or $200 Out-Of-Network deductible along with a Monthly Charge. The Peak plans has a one-time, Lifetime $250 deductible along with a Monthly Charge. The deductible will be incurred during your first visit. One thing that sets Denali apart is that this $100 or $200 deductible only has to be paid once, no matter how long you have your plan. Most insurance companies make this an annual occurrence, which can add up over the years.
*Each plan has a different Monthly Charge. Find a plan to see what that monthly cost looks like in your state.
Effective Start Date
All plans are effective the 1st and 15th of the month.
What Plan Is Right For You?
All plans cover preventive and basic dental care along with implants and major services**. When considering a plan, you need to weigh the options. Do you know you might need bridgework or a major service in the upcoming year? Does your kid play a contact sport which could result in losing a tooth? You can’t plan for all situations, but you can be prepared for them. When selecting a plan, you might want to compare different options in the quote process to review coverage details and Monthly Charges.
Regardless of which option you choose, all plans were created to be affordable, so even our most expensive option is still very budget-friendly.
Add on Vision Coverage
Adding vision insurance to our dental plans couldn't be easier. We offer one bundled rate for a simple approach to purchasing dental and vision. Renaissance Vision coverage is administered by VSP Vision Card. With over 68 million members and more than 31,000 doctors, VSP boasts the largest national network of independent doctors according to VSP internal data.
WellVision Exam: $10 Copay, one exam every 12 months
Prescription Glasses: $25 copay, frames every 12 months, lenses every 12 months, lens enhancements every 12 months, contacts instead of glasses every 12 months.
Extra Savings: 20% savings on additional glasses and sunglasses. 15% savings on contact lens exam, average of 15% off the regular price or 5% off the promotional price of laser vision correction.
No matter what plan you choose, you’ll have peace of mind when it comes to getting the professional care that’s necessary to keep your eyes healthy!
Underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN, and in New York by Renaissance Life & Health Insurance Company of New York, Binghamton, NY. Both companies may be reached at PO Box 1596, Indianapolis, IN 46206. Products may not be available in all states.