Renaissance Dental Plans
The Renaissance Dental approach to dental insurance is simple – plan options to fit your dental needs backed by one the largest dental networks nationwide and award-winning service. It’s really that simple. Renaissance Dental individual dental insurance is an affordable way to maintain dental health when you are not eligible for benefits through an employer.
Through Renaissance dental network partners, Pivot Health’s Brilliant Dental™ plans offer access to over 300,000 nationally credentialed PPO network access points.* While you may save the most money by visiting a dentist in the Renaissance PPO network, you are welcome to visit any licensed dentist in the U.S. See dental providers through MyRenProviders.com.
Plan highlights include:
- Network access: A wide network of dentists within Texas to choose from with Dentemax Plus Network
- You can visit any dentist, and will almost always pay less out-of-pocket when visiting a Renaissance Dental Network provider.
- Preventive care focus: Full coverage for routine cleanings, exams, and x-rays.
- PPO option: Most commonly offered as a PPO plan, allowing you to see any dentist but offering better benefits when using in-network providers.
- Cost savings: Lower out-of-pocket costs when utilizing in-network dentists.
- Coverage tiers: Depending on the plan, varying levels of coverage for basic services like fillings and major services like crowns.
- Orthodontic options: Some plans may offer limited orthodontic coverage with waiting periods.
Network for greatest savings.
- Over 400,000 access points nationwide
- Over 100,000 unique providers nationwide
- 94% provider persistency
Plan Designs
Renaissance Dental offers 3 plans: Brilliant Dental Value, Brilliant Dental Essential, and Brilliant Dental Maximum with a choice of a $1,000 or $2,500 annual benefit. The Renaissance Network is best for individuals using the Renaissance Dental network provider. The Brilliant Dental Maximum is best for individuals using a non-network provider. The Renaissance Dental Network plans use the Dentemax network to provide great discounts for using in-network dentists and prevents any billing “surprises” that dentists outside of the network may charge balance billing (bill the patient for larger amounts than the insurance company pays).
Brilliant Dental PPO Plans
Affordable dental and vision benefits are within reach for children, adults and seniors looking to protect their smile. Renaissance dental plans include:
- Eligibility for ages 18+ (child dependents eligible from birth until age 26)
- No waiting periods for benefits on select plans
- Option to start coverage the next day after enrollment
- Some benefits and annual maximums increase at the beginning of the second and third coverage periods Routine cleanings paid at 100% X-rays Basic services, like fillings, sealants and extractions
- Major services, like crowns, oral surgery and implants on select plans Orthodontia option available for children under age 19 on select plans
- Choice of $1,000 or $2,500 maximum per year benefit
- Increasing benefits – receive enhanced benefits in year 2 and the maximum in year 3.
Brilliant Maximum Plan
- Designed for someone looking for higher coverage levels
- Includes orthodontics, dentures and implants
- Coverage on major services starts day on Brilliant Essential or Brilliant Maximum plans
- No waiting periods on Brilliant Essential or Brilliant Maximum plans
- $750 – $2,500 annual maximum benefit limit, benefits increase in years 2 and 3 with Brilliant Dental Maximum
- Brochure
Network vs. Non-Network
- All plans offer out-of-network benefits
- Non-network plans provide higher levels of coverage for non-network dentists
- Network plans are cheaper, and are a good way to save money if your dentist is in network
| Value Plan | Essential Plan | Maximum Plan | ||
|---|---|---|---|---|
| Apply | Apply | Apply | ||
|
Network Through Renaissance dental network partners, Pivot Health’s Brilliant Dental™ plans o!fer access to over 300,000 nationally credentialed PPO network access points.* While you may save the most money by visiting a dentist in the Renaissance PPO network, you are welcome to visit any licensed dentist in the U.S. |
Renaissance Dental Network | Renaissance Dental Network | Renaissance Dental Network | |
| Maximum Benefit | $1,000 calendar year benefit |
$500 year 1 |
$700 year 1 $1,200 year 2 $2,500 year 3+ |
|
| Deductible (Basic & Major only)a specified amount of money that the insured must pay before an insurance company will pay a claim. |
$50 per person $150 per family |
$50 per person $150 per family |
$50 per person $150 per family |
|
| Waiting Periods | 6 months type 2, type 3 not covered | No | No | |
| Enrollment Fees | No | No | No | |
| Monthly Cost | $40.47 | $46.32 | $73.66 | |
| PREVENTIVE SERVICES (type 1) | ||||
| Plan Pays | Plan Pays | Plan Pays | ||
| Exams (2/year) | 100% | 100% | 100% | |
| Cleanings (2/year) | 100% | 100% | 100% | |
| Bitewing X-rays | 100% | 100% | 100% | |
| Fluoride Treatments (under age 16) | 100% | 100% | 100% | |
| Sealants (under age 16) | 100% | 100% | 100% | |
| BASIC SERVICES (type 2) | ||||
| Plan Pays | Plan Pays | Plan Pays | ||
| Fillings |
80% |
50% | 50% year 1 65% year 2 80% year 3+ |
|
| Simple Extractions | 80% | 50% | 50% year 1 65% year 2 80% year 3+ |
|
| MAJOR SERVICES (type 3) | ||||
| Plan Pays | Plan Pays | Plan Pays | ||
| Oral Surgery | Not covered | 50% | 50% | |
| Other X-Rays | Not covered | 50% | 50% | |
| Endodontics | Not covered | 50% | 50% | |
| Periodontics | Not covered | 50% | 50% | |
| Crowns | Not covered | 50% | 50% | |
| Bridges | Not covered | 50% | 50% | |
| Dentures | Not covered | 50% | 50% | |
| ORTHODONTICS | ||||
| Plan Pays | Plan Pays | Plan Pays | ||
| Lifetime Ortho Maximum $1,000 | Not Covered | Not Covered | $250 year 1 $400 year 2 $500 year 3+ |
|
| Primestar Choice VSP Plan | Primestar EyeMed Access Plan | |||
|---|---|---|---|---|
| Apply | Apply | |||
| Network |  |
 |
||
| In-Network Copay | Out-of-Network Allowance | In-Network Copay | Out-of-Network Allowance | |
| Eye Exam | $10 | $45 | $25 | $50 |
| Contact Lens Exam & Fitting | Up to $60 | $105 | $15 | $105 |
| Frames | $0 with $150 allowance | $70 | $0 with $130 allowance | $70 |
| Contacts (in Lieu of frames) | $0 with $150 allowance | $105 | $0 with $130 allowance | $105 |
| Single/Bifocal/Trifocal Lenses | $20 | $30/$50/$65 | $25 | $50/$75/$100 |
| Lenticular Lenses | $20 | $100 | $25 | $0* |
| Monthly Cost | $16.34 | $10.67 | ||
| Standard Lens Enhancements | ||||
| In-Network Copay | Out-of-Network Allowance | In-Network Copay | Out-of-Network Allowance | |
| UV Protection Coating | $16 | Not Available | $15 | Not Available |
| Glass Tints | $34 | Not Available | $15 | Not Available |
| Factory Applied Standard Scratch Resistance Coating | $17 | Not Available | $15 | Not Available |
| Polycarbonate Lenses | $31 | Not Available | $40 | Not Available |
| Anti-Reflective Coating | $41 | Not Available | $45 | Not Available |
| Standard Progressive | $50 for Multifocal | $50 | $65 | $75 |
| Other Add-Ons | Available at a discount | Not Available | Available at a discount | Not Available |
Why do I need dental and vision insurance coverage?
If you are in the market for dental and vision insurance and find yourself asking, “Why do I need it?” consider the advantages to your overall health. Our oral and ocular health can be key indicators in detecting early stages of many health risks and diseases along with preventing many other health issues.
Renaissance Dental understands that your needs are unique
We’re committed to finding you the dental plans that meets your needs. Renaissance PPO Dental insurance plans offer affordable coverage with instant free online quotes, coverage for individuals 18+ (including seniors), no online enrollment fees and the Dentemax Dental network.
| Delta Dental insurance plans Include: | Ameritas VSP vision insurance plans Include: |
|---|---|
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Network Information
Network for greatest savings.
Through Renaissance dental network partners, Pivot Health’s Brilliant Dental™ plans o!er access to over 300,000 nationally credentialed PPO network access points.* While you may save the most money by visiting a dentist in the Renaissance PPO network, you are welcome to visit any licensed dentist in the U.S. See dental providers through MyRenProviders.com.
- Over 300,000 access points nationwide
- Over 100,000 unique providers nationwide
- 94% provider persistency
Savings Example
| Procedure | 80th U&C | Network Rate† | Day One Cost | Day One Savings | Year Two Cost | Year Two Savings |
|---|---|---|---|---|---|---|
| Cleaning | $108 | $61 | $0 | 100% | $0 | 100% |
| Filling | $139 | $80 | $52 | 62% | $16 | 88% |
| Crown | $1,117 | $748 | $635 | 43% | $374 | 66% |
| Description of benefits shown based on 78415 zip code. Rates vary by location. Benefits based on Brilliant Maximum dental plan. †MAC/MAB charge. | ||||||
Do I have to use an in-network dentist for your plans?
No, with Renaissance dental insurance plans, you have the freedom to use any dentist you would like. You do not need to select your dentist from a list of network providers to qualify for benefits and coverage. However, if you purchase a network plan, you have the ability to lower your out-of-pocket costs and receive the greatest savings when you utilize a Dentemax PPO Dental Network provider.
What is the frequency limit for teeth cleanings?
With Renassaince Dental plans, you receive 2 cleanings per year.
How can I look for in-network dentists?
The Renaissance Dental Network features:
- Discounted fees, typically 30% below average charges in your community
- Immediate network discounts
- One of the largest nationwide networks with over 328,000 access points and 101,500 unique providers
Additionally, when you utilize a Dentemax Plus Dental Network provider, your out-of-pocket costs may be lower because they have agreed to a negotiated fee for covered services.
How long will the enrollment process take?
Enrollment materials will be emailed or mailed to you within 7-10 business days of a completed application, depending on the selection made during the enrollment process.
What are waiting periods?
This is the time a member must wait from the effective date of coverage for certain procedures to be covered. These are different for each plan. Renaissance offers dental and vision plans with no waiting periods. The Value Plan has a 6 month waiting period for basic services. If you do not typically have cavities or have a dental appointment scheduled for several months, the Value Plan is a great lower cost option than the Essential or Maximum Plans.
I haven’t heard back on the status of my application, how do I check the status?
Please call our Administrative Team at or email us at [email protected].
What dental plan should I choose?
Some dental plans may work better for you or your family. Here are a few questions to ask yourself, while reviewing plans:
- Are there waiting periods for certain procedures?
- Does this plan require you to use a network of dentists or can you use any dentist you choose? If the plan has a network, what dentists participate in the plan’s network?
- If I used a dentist outside the plan’s network, what will the benefits be?
- Does the plan charge an enrollment or application fee?
- Is there a deductible on the plan?
- What is the annual maximum?
How do I submit a dental claim?
Dental claims are submitted by dental providers electronically. Claims, adjustment requests, and completed information requests should be mailed to:
RLHICA P.O. Box 17250 Indianapolis, IN 46217
After receiving all required claim information, RLHICA will pay all Benefits due for Covered Services as soon as received and within 30 days. If applicable, failure to pay within that period shall entitle you to interest at the state prescribed rate per annum from the 30th day. Interest amounts less than one dollar ($1.00) will not be paid.
Apply Online Now
- Savings for using the Renaissance Dental network
- Still have the freedom to use any dentist you would like
- Instant free online quotes
- No online enrollment fees