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. | ||||||
Renaissance Dental Insurance in Texas: 2026 Rates
Last updated: April 2026 · Reviewed by a licensed Texas health insurance agent
Renaissance is the quiet value leader in the Texas individual dental market. On any given quote run for a healthy 30–55 year-old Texan, Renaissance is often $8–$20/month cheaper than BCBSTX, Ameritas, or Delta for a comparable PPO. The trade-off: lower annual maximums ($1,000–$1,250), a smaller Texas network, and no frills. This page lays out who should buy Renaissance — and who shouldn’t.
What Renaissance Dental is, briefly
Renaissance is a mid-size national carrier specializing in individual and small-group PPO dental and vision. It doesn’t sell medical, Medicare Advantage, or health-side products — which is why most Texans haven’t heard of it. But it rates aggressively, and in our quoting practice Renaissance comes out the cheapest compliant PPO in Texas for healthy adults roughly 40% of the time.
Renaissance Texas plan options (2026)
Renaissance Dental Maximum Choice PPO 1000
The workhorse: 100/80/50 coinsurance on preventive/basic/major, $1,000 annual max, standard waiting periods. Typical 2026 Texas premium for a 40-year-old non-tobacco adult: $22–$28/month. For a 60-year-old: $34–$42/month.
Renaissance Dental Maximum Choice PPO 1250
Same structure with a $1,250 annual max. Typical premium: $28–$36/month.
Renaissance Dental Preventive Plus
Preventive + basic only, no coverage for crowns or bridges. Typical premium: $16–$22/month — genuinely the cheapest "real" Texas dental coverage on the market.
When Renaissance is the right Texas pick
- You’re healthy and mainly use dental for preventive. Two cleanings + exams + X-rays at retail in Texas metros runs $400–$550/year. A $22/month Renaissance plan is $264/year — pays for itself on preventive alone.
- You want the cheapest PPO and don’t mind a smaller network. If your dentist is in Renaissance’s Maximum Choice network, you’re fine. Verify at renaissancebenefits.com/find-a-dentist.
- Self-employed Texans paying out-of-pocket. The savings vs. BCBSTX or Delta compound across a year.
- Short-term dental need. Know you’ll transition to employer dental in 6–12 months? Lower monthly commitment fits better than a higher-premium plan.
When Renaissance is the wrong pick
- You already know you need major work. A $1,000–$1,250 annual max disappears fast. A single Texas metro crown is $1,100–$1,700; plan pays half but caps at the annual max. Major-work shoppers: BCBSTX Dental 2000 or Ameritas Primestar Boost ($2,000 max) are more cost-effective even at higher premium.
- You need orthodontic coverage. Renaissance individual plans don’t cover adult ortho. Ameritas does.
- Your dentist isn’t in the Renaissance network. Out-of-network reimbursement is based on UCR rates — which in Texas usually means you cover a meaningful portion even for basic services.
Renaissance Texas waiting periods
Standard industry waiting periods: 0 months preventive, 6 months basic, 12 months major. Waived for prior continuous dental coverage with a prior-coverage certificate submitted at application.
Renaissance vs. the Texas competition at a glance
- vs. BCBSTX: Renaissance wins on price; BCBSTX wins on network breadth and higher annual max.
- vs. Ameritas: Renaissance wins on price for adult-only households; Ameritas wins for anyone needing orthodontic coverage.
- vs. Delta Dental: Renaissance wins on price; Delta wins on national network (snowbirds, travelers).
- vs. Mutual of Omaha: Close call — Renaissance is typically cheaper under age 55; Mutual of Omaha offers higher annual maximums.
Ready for a Renaissance Texas quote?
Compare Renaissance plans and pricing in your ZIP on our enrollment portal — side-by-side with the big three.
Questions? Call (972) 666-0578 or book a free 20-minute appointment.
Frequently asked questions
Is Renaissance Dental good in Texas?
Yes, for the right shopper. Usually the cheapest compliant PPO in the Texas individual market for healthy adults who stay in-network and don’t need orthodontics. Trade-off: lower annual max ($1,000–$1,250) and smaller Texas network than BCBSTX or Delta.
How much does Renaissance Dental cost in Texas?
Typical 2026 individual Texas premiums run $16–$42/month depending on plan and age. Preventive Plus is the cheapest at $16–$22/month.
What’s the Renaissance Dental annual maximum?
$1,000 or $1,250 on the two most common Texas individual plans. Lower than BCBSTX Dental 2000 or Ameritas Primestar Boost ($2,000), so Renaissance isn’t the right pick if you expect significant major work.
Does Renaissance Dental cover orthodontics in Texas?
No, not on individual Texas plans.
Is my dentist in the Renaissance network?
Check the Maximum Choice network at renaissancebenefits.com/find-a-dentist before enrolling. Renaissance’s Texas network is concentrated in Dallas, Houston, Austin, San Antonio, and Fort Worth; rural coverage is thinner than BCBSTX.
Can I apply for Renaissance Dental in Texas any time?
Yes. No open enrollment window. Typical effective date is first of the following month if applied before the 25th.
About Texas Health Agents
Texas Health Agents, a licensed Texas insurance agency (TDI License #1816327). Appointed with Renaissance and every other major Texas dental carrier. Contact our team.
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
Renaissance Dental
