Dental insurance and vision insurance are essential parts of any competitive benefits package. By offering coverage through Colonial Life, you can help your employees pay for dental and vision care without impacting your bottom line.
Regular dental exams can reveal signs of oral cancer, heart disease, diabetes and other diseases, making them easier to treat and control.1
Colonial Life has two dental products that are available. They are the individual dental PPO and individual dental fee schedule insurance.
To learn more about the features and benefits of each dental policy, contact your Colonial Life representative.
Colonial Life vision insurance covers an exam and materials once per 12 months.
Employees can get more details from their benefits counselor.
Each person’s needs vary, so encourage employees to look back at the amount they spent on dental expenses in past calendar years. This can help them identify the estimated amount they spend on dental each year. If an employee hasn’t had dental care recently, contact your representative for help calculating an appropriate amount for coverage for their family.
Employees can use our provider search to see if their dentist is part of our network. Click here for more information.
Hypothetical claims estimates or information regarding claim benefits cannot be provided to anyone who does not have a policy inforce.
Once coverage is inforce, the insured employee’s dentist can submit pre-estimates for procedures to help policyholders determine claim benefit outcomes.
Immediate benefits are provided for routine cleanings and X-rays, while certain procedures have varying waiting periods. Talk with your Colonial Life sales representative for more details.
At this time, Colonial Life only offers employee-paid individual dental insurance.
To determine how much a dental procedure will cost and what the benefit amount will be, the employee’s dentist will be able to submit a pre-determination/pre-estimate to allow for an estimate of benefits available.
Most dentists will file insurance claims on behalf of their insured patient. The benefit can be paid to the employee, but most of the time the employee will choose to have the benefits paid directly to the dentist.
Although claim payments will not default to the provider, the majority of dental offices have standard forms that require assignment in order to be accepted as a patient. This is standard practice in the dental insurance industry.
Yes. Colonial Life dental insurance is portable, so employees can keep their plan even if they change jobs. To learn more and begin this process, employees can download the Conversion Request Form.