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Why Dental

Routine dental visits have become an extremely important part of good health maintenance. The dental plan offering helps to remove financial barriers to oral health services and promotes preventive care so that small problems do not become painful, expensive ones.


For example: An in-network dentist may submit a $950 charge for a crown. With dental insurance, the in-network dentist accepts a reduced fee of $744. That's an immediate savings of $206! Furthermore, having dental insurance means your insurance pays a percentage from the reduced fee so you can see how the advantages of dental coverage can add up quickly.


Why Dental Math Example

The payment example above is for illustration purposes only. Fees and reimbursements can vary by location and dentist. It does however represent how the payment is determined.

Better oral health leads to better overall health


Oral health and overall health care are connected, and dentists are in a unique position to detect more than 120 signs and symptoms of non-dental disease - including diabetes and heart disease - through patient examination.¹²


In many cases, extra cleanings can be beneficial to certain medical conditions, which is why our dental plan options include enhanced periodontal coverage for individuals with chronic and/or high-risk medical conditions like diabetes or coronary artery disease. Also, included in the plan designs is an OralCDx BrushTest® for oral cancer screening


Preventive care now can help you save money later.

Preventive dental care can keep you and your smile healthy long-term, and can save you money by protecting you from more expensive procedures.


Save money by staying in-network with our nationwide network of dentists.

Participating network dentists have agreed to fees that average 20–50 percent below typical dental office prices.3 This means that when members obtain services from a network dentist, your out-of-pocket expenses will be lower compared to seeing an out-of-network dentist.

As an example, say you have met your deductible and visit your dentist for a basic covered service. If the estimated charge of $120 is covered at 80 percent, here’s the out-of-pocket cost of using an in-network versus out-of-network dentist:

  Submitted Fee Maximum approved fee Amount Renaissance pays Amount you pay
In-network dentist $120 $84 $67.20 $16.80
Out-of-network dentist $120 $100 $80 $40


1 J Am Dent Assoc, Wik 134, No supply_1, 41S-48S. 2003 American Dental Association.
2 Little, James W., Falace, Donald A., Miller, Craig S., & Rhodus, Nelson L. (2013). Dental Management of the Medically Compromised Patient (8th ed.). St. Louis, MO: Mosby Elsevier. 
3 Renaissance internal data, 2015.


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Underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Health Insurance Company of New York, Binghamton, NY. Each company has sole financial responsibility for its own products. Products and services referred to are not available in all states and jurisdictions.