The Importance of Dental Insurance • Vision Insurance • Hearing Insurance
- Quality of Life
- Unforeseen situations that are painful, inconvenient and expensive
- Basic Medicare does not cover dental, vision or hearing
The Insurance Coach provides a number of insurance solutions. One that we believe offers quite a bit of value to our clients is the Dental Insurance, Vision Insurance, and Hearing Insurance plan all wrapped into one plan. This insurance plan from Manhattan Life is not only affordable, but it offers great value as well. The Dental insurance, Vision insurance, and Hearing insurance plan is available to individuals, families, and employer groups. The dental hearing and vision insurance plan is guaranteed issue – what this means is that if you want to buy it, you can and won’t be turned away. Click the link below to review the brochure.
Dental Hearing Vision Insurance Brochure- NC 2019
Ready to buy Dental Hearing and Vision Insurance online?
Click the enrollment link for online application.
Products Highlights
- Choose your dentist – No Networks
- Family Rates (includes a maximum of 3 children)
- Individual 18 – 75
- $1,000 – $1,500 policy year benefit option available
- Guaranteed Issue
- Guaranteed renewable to age 80 *
* Subject to right to change premiums.
| Dental Insurance / Vision Insurance / Hearing Insurance
Plan Benefits 1 |
|
| Eligibility | Anyone age 18 – 75 |
| Policy Year Maximum Benefit | $1,000 or $1,500
(choose one) |
| Policy Year Deductible | $100 per person |
| Dental Insurance Coverage | |
| Preventive Services Semi-Annual exams, cleaning and x-rays. | Year 1 – 60%
Year 2 – 70% Year 3 and thereafter – 80% |
| Waiting Period | None |
| Basic Services
Including x-ray, fillings and extractions (other than “full mouth”) |
Year 1 – 60%
Year 2 – 70% Year 3 and thereafter – 80% |
| Waiting Period | None |
| Major Services
Including bridges, crowns, full dentures or partials, full mouth extractions, and root canals |
Year 1 – 0%
Year 2 – 70% Year 3 and thereafter – 80% |
| Waiting Period | 12 months |
| Vision Insurance Coverage | |
| Basic eye exam or eye refraction, including the cost of eye glasses or contact lenses | Year 1 – 60%
Year 2 – 70% Year 3 and thereafter – 80% |
|
Waiting Period |
6 months
on eyeglasses and contact lenses |
| Hearing Insurance Coverage | |
|
Exam, hearing aid and necessary repairs or supplies |
Year 1 – 60%
Year 2 – 70% Year 3 and thereafter – 80% |
| Waiting Period | 12 months
new hearing aids and existing hearing aid repairs |
$1,000 Policy Year Maximum
| INDIVIDUAL MONTHLY PREMIUM | |
| Age | Premium |
| 18 – 39 | $27.50 |
| 40 – 54 | $29.75 |
| 55 – 64 | $31.92 |
| 65 – 75 | $34.17 |
| FAMILY MONTHLY PREMIUM2 | |
| Age | Premium |
| 18 – 39 | $88.00 |
| 40 – 54 | $92.42 |
| 55 – 64 | $96.83 |
| 65 – 75 | $101.25 |
$1,500 Policy Year Maximum
| INDIVIDUAL MONTHLY PREMIUM | |
| Age | Premium |
| 18 – 39 | $36.33 |
| 40 – 54 | $38.50 |
| 55 – 64 | $41.83 |
| 65 – 75 | $45.17 |
| FAMILY MONTHLY PREMIUM2 | |
| Age | Premium |
| 18 – 39 | $116.17 |
| 40 – 54 | $120.58 |
| 55 – 64 | $127.17 |
| 65 – 75 | $133.75 |
Premiums are subject to change. Premium rates based on $1,000 or $1,500 Policy Year Maximum. Use the age of the oldest applicant. Benefit exclusions and limitations apply.
$1,000 Policy Year Maximum
Age Premium
3 – 17 $20.67
$1,500 Policy Year Maximum
Age Premium
3 – 17 $27.25
2 Family rates include up to three children. Additional children are charged the age 3 – 17 rate per person.