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Why Dental Insurance?

Better oral health leads to better overall health

Oral health and overall health are connected, and dentists are in a unique position to detect more than 120 signs and symptoms of non-dental diseases -including diabetes and heart disease - through patient examination.¹ ² 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.

In fact, many people visit their dentist more often than their primary care physician.

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 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.

Preventive dental 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.

With Renaissance Dental, you can get the quality care you need at a price you can afford.

Customer Service: The Renaissance Dental Customer Service team, based in Indianapolis, Indiana, is dedicated to helping our members, so it's easy to get the help you need.

Accessibility: Unlike other plans that may limit the dentist you can see, Renaissance Dental's PPO network features access to more than 300,000 dental office locations across all 50 states and the District of Columbia.4 While you save the most money by visiting a dentist in our network, you are welcome to visit any licensed dentist in the country.

Experience: With more than 55 years of experience in dental plan administration, the Renaissance family of companies knows dental insurance. Collectively in 2013, the family of companies provided coverage for 13.1 million enrollees and paid out nearly $3 billion for dental treatment.4

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.4 This means that when you 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

Access your information at your convenience with our online portal: MyRenBenefits.
  • Access your benefit information
  • Print ID cards
  • View claims
  • Print an Explanation of Benefits statement

Start smiling brighter today!

Sign up for dental insurance from Renaissance Dental.
  1. American Dental Association. "Health Topics: Diabetes.", accessed October 2013.
  2. "Gum Disease Links to Heart Disease and Stroke." http://, accessed October 2013.
  3. National Association of Dental Plans. "The Haves and the Have-nots: Consumers With and Without Dental Benefits." February 2009.
  4. Renaissance internal data, March 2014.


Our escalating plan design promotes good oral health practices year after year.


*Renaissance Internal Data, 2016

© 2016 Renaissance Holding Company | All Rights Reserved | PO Box 1596, Indianapolis, IN 46206-1596
Underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Life & 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.


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