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LifeShield Dental, Vision and Hearing with $5000 Annual Maximum Benefit
The LifeShield Dental, Vision & Hearing plan is a simple all-in-one option that helps cover many of your routine dental, vision, and hearing needs. The dental plan includes preventive services like exams, cleanings, and X-rays covered at 100% from day one, with no waiting period, making it easy to stay on top of your oral health. Basic dental services such as fillings and extractions are covered at 80% after the $100 deductible, while major services like crowns, dentures, implants, root canals, and bridges are covered after a 12-month waiting period. You can choose either a traditional $100 deductible or a reducing deductible that drops over time. The plan also includes vision benefits that reimburse 80% of covered costs up to $200 every two years and hearing benefits that reimburse 80% of covered costs up to $500 each year. With guaranteed issue, guaranteed renewable coverage, and the option to waive the major service waiting period if you have prior credible coverage, the LifeShield Dental, Vision & Hearing plan provides dependable protection for your everyday healthcare needs.
Carrier
LifeShield
Plan Year
2026
Individual and Family Deductible
Dental insurance deductibles work similarly to health insurance deductibles, but they apply specifically to dental care. Individual deductibles are the amount a person must pay out-of-pocket for covered dental services before the insurance starts covering a portion of the costs. In a family plan, each family member has their own individual deductible, but many plans also have a family deductible cap, meaning once the family’s combined spending reaches a certain limit, the insurance will kick in for all members. These deductibles generally apply to services like fillings, crowns, and other restorative treatments, but routine care such as cleanings and exams may be covered without needing to meet the deductible. Understanding how these work ensures you're prepared for any out-of-pocket costs when seeking dental care.
Individual Deductible
Varies, see plan details
Family Deductible
Varies, see plan details
Preventative Care
One of the best features of the LifeShield Dental, Vision & Hearing plan is its strong focus on preventive dental care. Routine cleanings, exams, and X-rays are covered at 100% starting on day one, with no waiting period, making it easy to stay on top of your oral health. These preventive services are covered before you have to meet your deductible, so you can schedule regular checkups without worrying about unexpected out-of-pocket costs. By encouraging preventive care from the start, the plan helps you catch dental problems early and avoid more costly treatment in the future.
Minor Dental Services
For everyday dental care beyond preventive services, the LifeShield Dental, Vision & Hearing plan helps cover many of the most common procedures you may need to maintain a healthy smile. Basic services include fillings, non-surgical extractions, periodontal scaling, and periodontal cleaning. After you meet the $100 deductible, the plan pays 80% of covered basic services, helping reduce your out-of-pocket costs when dental work is needed. Unlike many dental plans, there is no waiting period for basic services, so you can use these benefits right away. It's a practical way to get help with routine dental treatments while making unexpected dental expenses more manageable.
Major Dental Services
The LifeShield Dental, Vision & Hearing plan also provides coverage for major dental services, helping reduce the cost of larger procedures when you need them most. Covered services include crowns, bridges, dentures, implants, root canals, surgical extractions, and other major restorative treatments. After you meet the $100 deductible and complete the 12-month waiting period, the plan pays 60% of covered major services, giving you meaningful financial support for more extensive dental work. If you have prior credible dental coverage, the waiting period for major services may even be waived, allowing you to access these benefits sooner. It's valuable protection that can help make unexpected dental expenses much more manageable.
Orthodontia for Children
It's important to note that while this dental plan offers robust coverage for a wide range of dental needs, orthodontic care is not included in its coverage. Orthodontic treatments, such as braces or aligners, are often specialized and require a distinct set of considerations. While this plan focuses on preventive, minor, and major dental services, it does not extend to orthodontic procedures. For individuals seeking orthodontic care, it may be advisable to explore additional dental or orthodontic insurance options or discuss payment plans directly with orthodontic providers to ensure their specific needs are addressed effectively. This plan is designed to excel in other areas of dental care, emphasizing preventive and major services to promote overall oral health.
Implant Coverage
One of the standout features of the LifeShield Dental, Vision & Hearing plan is that it includes coverage for dental implants, a benefit that isn't available with many dental plans. Implants are covered as a major dental service, along with crowns, bridges, dentures, and root canals. After you meet the $100 deductible and complete the 12-month waiting period, the plan pays 60% of covered implant costs up to the max benefit amount, helping reduce the expense of replacing missing teeth. If you have prior credible dental coverage, the waiting period for major services—including implants—may be waived, allowing you to access this valuable benefit sooner. Implant coverage can provide meaningful financial support for one of the most expensive dental procedures you may need.
Maximum Yearly Dental Benefit
This plan includes a $5,000 annual maximum benefit, which is the total amount the plan will pay toward your covered dental services each year. For many people, this generous benefit is enough to cover preventive care, routine dental work, and even multiple major procedures if they become necessary. Whether you're maintaining your oral health with regular checkups or preparing for more extensive treatment, the $5,000 annual maximum provides substantial financial protection and helps keep larger dental expenses more manageable.
Vision Benefit
One of the standout features of the LifeShield Dental, Vision & Hearing plan is that it includes coverage for dental implants, a benefit that isn't available with many dental plans. Implants are covered as a major dental service, along with crowns, bridges, dentures, and root canals. After you meet the $100 deductible and complete the 12-month waiting period, the plan pays 60% of covered implant costs up to the max benefit amount, helping reduce the expense of replacing missing teeth. If you have prior credible dental coverage, the waiting period for major services—including implants—may be waived, allowing you to access this valuable benefit sooner. Implant coverage can provide meaningful financial support for one of the most expensive dental procedures you may need.
Hearing Benefit
This plan includes a $5,000 annual maximum benefit, which is the total amount the plan will pay toward your covered dental services each year. For many people, this generous benefit is enough to cover preventive care, routine dental work, and even multiple major procedures if they become necessary. Whether you're maintaining your oral health with regular checkups or preparing for more extensive treatment, the $5,000 annual maximum provides substantial financial protection and helps keep larger dental expenses more manageable.
Full Summary of Benefits and Helpful Links
Official documents, such as your insurance policy or Summary of Benefits and Coverage (SBC), outline the details of your coverage, including deductibles, copayments, and covered services. Provider links, often available through your insurance company's website, offer directories of in-network healthcare professionals and facilities, helping you find the right dentists that are covered by your plan. Utilizing these resources can empower you to make informed healthcare decisions and effectively navigate your insurance coverage.
Helpful Links
Schedule a consultation with a local 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!
This is a quick snapshot of the most popular copays, deductibles, and coinsurance that you would be responsible for on this dental plan. Preventative services include dental cleanings, exams and x-rays. Most plans cover your preventative care every 6 months with no waiting period. Basic dental work includes minor services like filling a cavity and may have a waiting period before these services will be covered on your plan. Major work includes services like crowns and root canals and may have a waiting period before these services are covered. Dentures and implants are normally NOT included in dental insurance. If you need coverage for these services, please let your local agent know so that you have a plan that includes those services.
To learn what each of the terms mean, please visit our terms and definitions page. Copays and coinsurance listed are amounts that you would pay after deductible unless specified otherwise. This is not a full list of services included on the plan. This snapshot is not guaranteed to be accurate. To verify plan benefits or for full details please see the full summary of benefits or or get a complete terms of coverage on the health plan carrier's website.
PPO Plans and Out of Network Limitations and Balance Billing
Some dental plans offer out of network coverage. This is a great benefit because you can visit any dentist in the nation. Which means that if you are traveling, or have a dental emergency, you can visit a dentist for the service you need right away and have a portion of your bill covered by your dental insurance. Please note that if you see an out of network provider, that dentist is allowed to "balance bill" you. This means that your dental insurance company pays your dentist what is reasonable and customary for the services you received. In most situations that dentist accepts that payment and you are only responsible for your portion of the bill. Occasionally, that dentist will decide that the reasonable and customary amount they received from the dental insurance is not enough. That dentist will bill you for the additional charge or 'balance bill' you. You are responsible to pay this amount and contact the dentist to work out a payment plan.
