All descriptions below are based on a broad overview of the majority of state's coverage available in the plan. Some coverage amounts or coverage availability may vary by state. Always review the state specific Certificate of Insurance for each plan to determine coverage benefits, availability, terms, conditions, limitations & exclusions. If there are any discrepancies between the descriptions and the Certificate, the Certificate will govern.
FCL DENTAL 3000
Protect your oral health
and smile more.
Blanket Group Dental Insurance
$3,000 Annual Benefit
$25 Copay per person per visit
*Payment for services are based upon allowable charges in the area in which services are rendered. Services provided at a non-contracted provider will most likely incur charges beyond what the contracted provider would charge for the same procedure.
DIAGNOSTIC & PREVENTIVE (CLASS I)
100% - Diagnostic & preventive services
In-network or out-of-network coverage (as defined by the policy).
BASIC DENTAL SERVICES (CLASS II)
80% - Basic dental services
In-network or out-of-network coverage (as defined by the policy).
MAJOR DENTAL SERVICES (CLASS III)
50% - Major dental services
In-network or out-of-network coverage (as defined by the policy).
There is a 12-month waiting period for all major dental services. Percentage of Covered Benefits in the first year is 0% for Class III Major Services.
Why Use In-Network Providers
DenteMax is a national, dental Preferred Provider Organization (PPO) network. DenteMax's group of quality dentists have agreed to accept a set, discounted fee schedule when they see DenteMax patients. This means you can visit any of our PPO dentists and save on your dental costs.
Maximum Allowable Charge Plan (MAC)
This product is a MAC plan which is a type of PPO plan where you receive greater benefits and less out-of-pocket expense by going to an in-network provider. Services completed by an out-of-network provider will most likely incur beyond what the contracted provider would charge for the same procedure.
ASSOCIATION BENEFITS
PROVIDED BY:
BLANKET GROUP DENTAL INSURANCE
UNDERWRITTEN BY:
First Continental Life & Accident Insurance Company
BILLING*, FULFILLMENT &
CUSTOMER SERVICE PROVIDED BY:
*Billing is administered through the Third Party Administrator
of H A Partners, Inc. or HealthyAmerica (depending on state).
THIS IS BLANKET GROUP DENTAL INSURANCE ONLY.
The following monthly insurance rates apply to coverage underwritten by First Continental Life & Accident Insurance Company1. Your overall total association membership dues for the optional supplemental FCL Dental 3000 plan also include these monthly insurance rates:
1Blanket Group Dental Insurance: $23.76 (Individual), $47.72 (Ind+Sp), $53.80 (Ind+Child(ren)), $77.22 (Family).
First Continental Life & Accident Insurance Company (FCL) and DenteMax do not offer and are not affiliated with the additional non-insurance services and discounts programs offered in connection with membership in the United Business Association (UBA).
Read the brochure and the blanket group insurance certificates carefully. This is a brief description of a blanket group association insurance product and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Blanket Group Dental Insurance Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You'll find complete coverage details in the Certificate of Insurance. Blanket Group Dental Insurance is underwritten by First Continental Life & Accident Insurance Company. This coverage does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. For complete coverage details, please refer to the certificate of insurance. Membership plan cost for FCL Dental 3000 does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.
United Business Association, First Continental Life & Accident Insurance Company (FCL) and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.
