Encore Dental Insurance

Encore Dental Insurance is a plan that provides coverage for adults. The company offers insurance products to people from the age of 18 to 99. As long as the applicant lives in an approved state, the company offers guaranteed acceptance, no matter how long it has been since his or her last visit or how much work needs to be done.

Get the dental coverage you need.

About Encore Dental Insurance

Encore Dental is offered through the Stonebridge Life Insurance Company. Stonebridge Life has been in business for over 40 years, and is rated "A+" by A.M. Best Company. Stonebridge Life is one of the AEGON Companies, one of the largest groups of insurance companies in the world.

Dental Plans Offered by Encore

Encore Dental Insurance offers a number of plans designed to meet your needs.

Standard Plan A

The Standard Plan A is designed to provide subscribers with primary coverage. This option gives you (and your covered family members) up to 100 percent coverage on preventive and diagnostic services, such as:

• Dental check-ups
• Teeth cleaning
• X-rays

There is no waiting period for coverage for the above services. Once the dental insurance policy has been in force for 12 months, coverage for major dental services, such as root canals and crowns, kicks in. The policy will pay 50 percent of the cost of these services.

There is no annual deductible for preventive and diagnostic dental services. For major dental services, there is a $50 deductible, and the annual maximum benefit is $1,000.

Standard Plan B

Standard Plan B is similar to Plan A, but pays 50 percent of the cost of preventive and diagnostic services. Like Plan A, after 12 months Plan subscribers are covered for 50 percent of the cost of major dental work.

1-2-3 Insurance Plan

With the 1-2-3 Insurance Plan from Encore Dental Insurance, subscribers are covered right away, with no waiting period. You get a certain level of coverage during the first year and the benefit levels increase during the second and third years.

Preventive and diagnostic services are covered at 100 percent right away. Basic dental services are covered at 20 percent the first year, 40 percent the second year, and 80 percent in the third year of coverage. Here are some examples of basic dental services:

• Anesthesia
• Fillings
• Oral surgery (includes extractions)
• Root canals

Major dental services are covered under the policy at a rate of 15 percent the first year, 30 percent the second year, and 50 percent the third year. Major dental services are:

• Bridges
• Crowns
• Full/partial dentures
• Repairs to bridges and dentures

The maximum annual benefit for major dental services increases each year from $500 in the first year to $750 in the second one. In the third year of coverage, the maximum annual benefit is $1,250.

Supplemental Insurance Plan

The Supplemental Insurance Plan is designed to top off existing dental coverage. This Plan works with other dental insurance coverage to eliminate out-of-pocket expenses for dental work. With this option, subscribers get coverage for 50 percent of the cost of their basic dental services.

For major dental work, subscribers have to wait six months before coverage kicks in under the policy at a rate of 50 percent of the cost of services. The annual deductible under the policy is $50, and the annual policy limit for benefits is $1,250.

Once you have been accepted into one of these dental insurance plans, your rates will not increase due to the number of claims you make against the policy. The company will only raise rates across an entire class of subscribers, and no rate increases will take place during the first 12 months of coverage.

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