Dental insurance and vision insurance are essential parts of any competitive benefits package. By offering coverage through Colonial Life, you can help your employees pay for dental and vision care without impacting your bottom line.
Plan administrators, our secure site helps you do business with us even more easily. Not registered?Regular dental care is an important part of maintaining overall health. However, dental cleanings and procedures aren’t usually covered by health insurance, potentially leaving your employees with bills to pay.
Colonial Life dental insurance encourages better dental care, creates a more competitive benefits package and helps reduce out-of-pocket expenses for an array of procedures, including:
Healthier, happier employees contribute to stronger businesses. If you’re looking for ways to round out your benefits package without incurring direct costs to your organization, consider Colonial Life dental insurance.
Colonial Life dental insurance offers an optional vision rider to help pay for eye exams and materials, such as glasses and contact lenses. This additional coverage can help your employees maintain healthy vision and overall wellness.
Your employees will have access to a national vision network that includes independent optometrists, ophthalmologists and retail stores like Walmart, Sam’s Club Optical, Costco, Pearle Vision and Target.
Contact us now to learn more about offering dental insurance benefits to your employees.
Colonial Life dental insurance is an employee-paid, individual dental plan that provides benefits for a variety of covered procedures, from routine cleanings to root canals.
All Colonial Life dental insurance plans:
Contact your Colonial Life representative to learn more about the coverage that is best for your employees.
Colonial Life has two dental products that are available. They are the individual dental PPO and individual dental fee schedule insurance.
To learn more about the features and benefits of each dental policy, contact your Colonial Life representative.
Colonial Life vision insurance covers an exam and materials once per 12 months.
Employees can get more details from their benefits counselor.
Each person’s needs vary, so encourage employees to look back at the amount they spent on dental expenses in past calendar years. This can help them identify the estimated amount they spend on dental each year. If an employee hasn’t had dental care recently, contact your representative for help calculating an appropriate amount for coverage for their family.
Employees can use our provider search to see if their dentist is part of our network. Click here for more information.
Hypothetical claims estimates or information regarding claim benefits cannot be provided to anyone who does not have a policy inforce.
Once coverage is inforce, the insured employee’s dentist can submit pre-estimates for procedures to help policyholders determine claim benefit outcomes.
Immediate benefits are provided for routine cleanings and X-rays, while certain procedures have varying waiting periods. Talk with your Colonial Life sales representative for more details.
At this time, Colonial Life only offers employee-paid individual dental insurance.
To determine how much a dental procedure will cost and what the benefit amount will be, the employee’s dentist will be able to submit a pre-determination/pre-estimate to allow for an estimate of benefits available.
Employees can log in to their account to view their policy, update their contact information and manage their insurance. If they don’t have an account, they can register here.
Most dentists will file insurance claims on behalf of their insured patient. The benefit can be paid to the employee, but most of the time the employee will choose to have the benefits paid directly to the dentist.
Although claim payments will not default to the provider, the majority of dental offices have standard forms that require assignment in order to be accepted as a patient. This is standard practice in the dental insurance industry.
Employees can log in to their account to view the status of their policy, see their premium amount and due dates, manage their billing information, make payments and more. If they don’t have an account, they can register here.
Yes. Colonial Life dental insurance is portable, so employees can keep their plan even if they change jobs. To learn more and begin this process, employees can download the Conversion Request Form.
Individual Dental PPO (IND8000): Applicable policy form IND8000 (including ¬state abbreviations where used, for example: IND8000-AL).
Insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benefits payable. For cost and complete details of coverage, call or write your Colonial Life benefits representative or the company.
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Insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benefits payable. For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company.