Surbridge Prime Dental DVH Plan
Cleanings are covered 100%. There is no waiting period for basic work (cleanings and fillings) and only a 9 month waiting period for major work (crowns and root canals, etc.), then you get 60% covered after the $100 deductible per person. There is a maximum benefit of $2000 per person per year. The vision portion reimburses your exams 100% and has a 9 month waiting period to reimburse you for glasses or contacts. This plan will reimburse 60% up to $200 for your contacts or glasses. The benefits of this plan increase every year. The second year you get 70% coverage and the 3rd year it maxes out at 80% coverage. This dental insurance does not include coverage for orthodontics.<BR><BR>You can choose ANY provider in the US and receive coverage. You will pay less if using in network providers. Please go to the SureBridge Network Search link on our website to find a provider: utahavenue.com/single-post/does-my-dentist-take-my-dental-insurance If your dentist is not listed, the plan will still cover you! Let your dentist know your insurance has out-of-network benefits. They will need to send in the bill as out-of-network charges.
Financial Protection for Your Family … Simple
Frequently Asked Questions
How long does it take to apply?
Most life insurance companies have a short list of health questions to answer. Depending on your answers, the life insurance company may require additional blood work. This can be scheduled at your convenience. If you do not want to complete any blood work, ask your local agent about simplified issue policies. Simplified issue policies only have a few short health questions to qualify. These policies may cost a little more, but are much faster to apply and get approved for.
How much of a death benefit do I need?
This depends on why you are buying life insurance. Are you wanting to pay off a certain debt, like a mortgage or care loan? Or do you want to replace your income so your spouse can continue paying current expenses after you pass away? There are many different approaches you can take when deciding the amount of life insurance you need. Talk to a local agent to help you decide how much life insurance you may need.
What is the 'term' of my life insurance plan?
The term of your life insurance plan usually refers to the amount of time that you have a fixed monthly premium for a fixed death benefit. Most common terms of life insurance is 10 years, 20 years and 30 years, but life insurance can be purchased for much longer.
What are living benefits?
Living benefits are a lump sum amount of money that you have access to while your still alive. This benefit can pay out for critical illnesses like cancer, heart attacks, stroke, and major accidents. You have access to up to 90% of your death benefit with the living benefit rider. This rider can be added to any life insurance policy for an additional charge. Usually less than five dollars a month.
How do I get my policy?
After you approve your life insurance policy, the life insurance company will either electronically or physically deliver your policy with the full details of your plan of choice.
Premium payments is the monthly amount you pay for your insurance plan. The initial premium, or binder payment, needs to be made before your plan starts. Be sure to watch your account to make sure the premium has been debited. Most carriers accept bank accounts, debit cards and credit cards as payment. If you need to update your account, you can log into your portal or call our office for help.
Deductible? Copays? Coinsurance? What does it mean?
Learn the basic terms about health insurance to better understand your plan. Don't worry, most people don't know what these terms mean and how they apply to your plan. That's why we're here. Please contact us if we missed any terms or if you'd rather talk to us instead of read.
Learn more about this plan and talk to a local agent
Want to add extra coverage or riders to you plan? Contact a local agent today. We can get you a quote right away and start these plans as soon as tomorrow. These plans can be added to your high deductible employer plan as well.
Schedule a consultation with a local Utah health insurance agent
We're happy to meet with your in-person or over the phone to help you with your health insurance needs. We can help you with health insurance on or off the marketplace, Medicare Advantage & supplements, dental insurance, vision insurance, life insurance or accident plans. Thank you for letting us be your advocate. Best part, is our help is always free!