Dental
PREVENTIVE SERVICES
No waiting period
Semi-Annual exams, cleanings, and x-rays covered at
100% In-Network
BASIC SERVICES
No waiting period
Including x-ray (other than "full mouth"), fillings, extractions and more!
Year 1 - 65%
Year 2 and thereafter - 80%
MAJOR SERVICES
No waiting period
Including bridges, crowns, full dentures or partials, implants, full mouth extractions and more!
Year 1 - 20%
Year 2 and thereafter - 50%*
ORTHODONTIA
12 month waiting period
Year 1 - 0%
Year 2 and thereafter - 50% to a lifetime maximum per insured of $1,500
Vision
BASIC SERVICES
No waiting period
Basic eye exam, eye refraction, single lenses, bifocal lenses, and progressive lenses; 1 per year
Year 1 – 60%
Year 2 – 70%
Year 3 and thereafter – 80%
FRAMES AND LENSES
$200 maximum per year
Eyeglass Frames - 6 month waiting period
Contact Lens Fitting Fee:
$15; 1 per year
Anti-Reflective Lenses
$45; 1 per year
Polycarbonate Lenses
$40; 1 per year
*
We continue to Stand By You through our partnership with Careington Maximum Care PPO Dental Network, providing you access to discounted costs on a wide range of services.
Discounted fees to help your dental benefits go further.
Access to 100,000 +quality dentists all over the country.
*Use of the Careington Network is optional.
For quotes and/or more information contact
jacksmountain@planwell-livewell.com
Other products available to you include:
Cancer Insurance
Cancer insurance from ManhattanLife helps provide an important safety net beyond traditional health insurance for addressing the financial consequences of dealing with cancer. Plus, you determine whether you use it to cover deductibles and co-payments or living expenses. Cancer Care Plus covers cancer and expenses related to a number of additional dread diseases, including muscular dystrophy, epilepsy, meningitis, and multiple sclerosis.
PLAN BENEFITS
Radiation, chemotherapy, and other benefits
Cancer screening test (One per year)
Additional surgical opinions
Daily hospital confinement benefit
Surgical benefit
18 - 69 Coverage age limits
PLAN FEATURES
You determine how to use the cash from cancer insurance through ManhattanLife. Use it to cover deductibles and co-payments, out-of-pocket expenses related to your treatment like travel, lodging, and long distance calls, or living expenses such as childcare, car payments, mortgages or rent, and utility bills.
Affordable Choice
Affordable Choice from ManhattanLife provides affordability, accessibility, and flexibility. There are only a handful of medical questions on the application. Plus, you keep your own doctors and can access network discounts.
PLAN BENEFITS
Inpatient benefits.
Hospital admission benefit.
Surgery benefits.
Doctor’s office visit.
Outpatient medical benefits.
Emergency or urgent care.
Cancer benefit.
Prescription benefit.
PLAN FEATURES
$5,000,000 Lifetime benefit maximum.
$1,000,000 Calendar year limit.
No deductibles or coinsurance.
Age-banded prices (rates will not increase annually).
No rate differences between smoker/non-smoker.
Out-of-Pocket
With today’s rising cost of medical care and health insurance premiums, many individuals and groups have selected higher deductibles, fewer co-pays, and more out-of-pocket costs. This has been done to make health insurance premiums more affordable.* An Out-of-Pocket policy from ManhattanLife can help the costs associated with a hospital stay from becoming an unnecessary burden.
PLAN BENEFITS
Pays benefits directly to you unless assigned to help with hospital bills and out-of-pocket costs.
Your choice of benefits and premiums.
Pays in addition to all other insurance and workers’ compensation.
Daily inpatient hospital confinement benefit.
Hospital admission benefit.
Doctor office visits.
No deductibles.
No networks.
HIDDEN COSTS OF DENTAL
65M
Nearly 65 million American adults have some form of periodontal disease.3
2X
People with periodontal disease are twice as likely to develop heart disease.3
$45B
More than $45 billion in productivity is lost in the U.S. to unplanned, emergency dental care each year.2
HOSPITALIZATION STATISTICS
35.7M
There were 35.7 million hospital stays in the U.S in 2016.1
13.6M
In 2016, 13.6 million major ambulatory surgeries were performed in hospital-owned facilities.2
$14,500
The average per patient aged 45-84 cost of a hospital stay in 2016 was $14,500.1
Benefit exclusions and limitations may apply to the policy.
APercentage of Basic eye exam or eye refraction, including the cost of eye glasses or contact lenses after 6 month waiting period. BPercentage of Exam, hearing aid, and necessary repairs or supplies after 12 month waiting period. CSubject to our right to change premiums.
Sources for statistics: 1Centers for Disease Control and Prevention – Oral Health Surveillance Report, 2019; 2cdc.gov/oralhealth/basics; 3authoritydental.org