Why Denali Dental and Vision Powerpoint

Denali Dental offers quality, affordable dental insurance for individuals, families and seniors

Group association dental insurance under the Denali Dental plan is distributed by Direct Benefits and underwritten by Madison National Life Insurance Company, Inc. or Standard Security Life Insurance Company of New York. Both Madison National Life and Standard Security Life are members of The IHC Group and rated A- (Excellent) for financial strength by A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) There is no ownership affiliation between The IHC Group and Direct Benefits for Denali Dental.

Denali Dental PPT 10-2012

Preventive dental care builds a healthy smile and healthier life.

Over 125 Illnesses including anemia, bulimia, diabetes, osteoporosis and cancer express symptoms in the mouth which can be detected during a routine dental exam.*

Dental insurance provides financial assistance to you and your family to encourage regular visits to your dentist, which are essential to maintaining oral health.

Why dental insurance?


* U.S. Department of Health and Human Services. Oral Health in America: A Report of the Surgeon General.Rockville, MD: U.S. Department of Health and Human Services, National Institute of Dental and CraniofacialResearch, National Institutes of Health, 2000.

Choose your own dentist Choice of indemnity or PPO plan No waiting periods Guaranteed acceptance for all ages Pediatric – Child Only coverage available Benefits available for implants and major services Coverage for child orthodontics is included with the PPO plan Three cleanings per calendar year Two exams per calendar year Choose from $1,500, $2,500, or $3,500 calendar-year

maximums

Experience the heights of Denali


Dental insurance plan created in 2003 by Direct Benefits Underwritten by Madison National Life Insurance

Company, Inc. or Standard Security Life Insurance Company of New York – both members of The IHC Group

Administered by IHC Health Solutions, also a member of The IHC Group

For almost three decades, the member companies of The IHC Group have built a reputation of commitment to the markets they serve. The IHC Group serves over one million customers nationwide.

What is Denali Dental?


Indemnity plan PPO plan

Aetna Dental Access® network DenteMax network

What plans are available?


Choose any dentist in the United States No PPO network Dental expenses are subject to

Reasonable and Customary (R&C) fees. R&C is the most common charge for similar professional services, drugs, procedures, devices, supplies or treatment within the geographic area in which the charge was incurred.

Denali Indemnity Plan


Denali Indemnity Covered Services

Preventive ServicesTwo exams per calendar yearThree cleanings per calendar yearDiagnostic ServicesOne series of bitewing x-rays per calendar year Flouride treatment limited to dependents under age 16, one per calendar year Sealants limited to under age 14, one treatment per permanent tooth (bicuspids & molars) no less that 36 months apart Space Maintainers – initial appliance under 13 years of ageBasic & Major Services Simple extractionsOne diagnostic x-ray, full or panoramic in any 3 year period Oral surgeryEndodontic treatmentPeriodontic servicesRestoration services; inlays, onlays and crownsProsthetic services; bridges and denturesVeneers - restorative onlyEndosteal implantsBasic fillings


Denali PPO Covered ServicesPreventive ServicesTwo exams per calendar yearThree cleanings per calendar yearDiagnostic ServicesOne series of bitewing x-rays per calendar year Flouride treatment limited to dependents under age 16, one per calendar year Sealants limited to under age 14, one treatment per permanent tooth (bicuspids & molars) no less that 36 months apart Space Maintainers – initial appliance under 13 years of ageBasic & Major Services Simple extractionsOne diagnostic x-ray, full or panoramic in any 3 year period Oral surgeryEndodontic treatmentPeriodontic servicesRestoration services; inlays, onlays and crownsProsthetic services; bridges and denturesVeneers - restorative onlyEndosteal implantsBasic fillings Orthodontia ServicesOrthodontic treatment for dependent children under age 19 (Not available in Georgia)Denali Dental PPT 10-2012

Choose from nearly 112,000 available dental practice locations*

Pay less for in-network services – the percentage you pay is based on a discounted rate

To look up providers in your area, use the Aetna DocFind® directory: http://www.aetna.com/docfind/custom/aetnadentalaccess

Not available in AK, FL, ID, IN, ME, NJ, NY, NH, NC, PA, WA, and WY

Aetna Dental Access® Network


* Dental counts as of February 2012, Aetna Enterprise Provide Database

Aetna is a brand name used for product and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company and its affiliates. The Aetna Dental Administrators program is powered by the Aetna Dental Access® network. This material is for information only. Information is believed to be accurate as of the product date; however, it is subject to change.

More than 151,000 dentist access points Pay less for in-network services – the

percentage you pay is based on a discounted rate

To look up DenteMax providers, please visit, http://www2.dentemax.com/Members/FindADentist.aspx

Only available in AK, FL, IN, ME, NJ, NY, NH, PA, WA, and WY

DenteMax PPO Network


$100 lifetime deductible per person Maximum of 3 individual deductibles per

family Choose from $1,500, $2,500, or $3,500

calendar-year maximum per person

Deductibles and Maximums


Exams - $10 Copay – Once every 12 months Lenses - $20 Copay – Once every 12 months Frames - In-network retail allowance: $110 plus a

Davis Vision Network 20% discount off of overage. Contact Lenses - Elective allowance: $110 plus a

Davis Vision network 15% discount off overage Davis Vision Network – 30,000 providers Choose your own eye care provider One year breakage warranty Value added benefits

Optional Denali-Davis-One-Life-Vision


1. The ZIP code in which you live2. Your age3. Coverage type you select: Applicant, Applicant

+1, or Applicant + 2 or more4. Selected plan - Indemnity (choose any dentist)

or PPO5. Adding an option Vision insurance plan6. Selected calendar-year maximum - $1500,

$2,500, or $3,500

Factors that determine your rate


Monthly payment options: Automatic bank draft from a checking or savings

account Visa/ Master Card

Application fee: $40 paper application or $20 online application (www.DenaliDental.com)

Plan effective date is always the first of the month

10-day customer satisfaction guarantee

How to Enroll?


The information included in this training is an outline of the features, plan provisions, benefits and other information about the Denali Dental plans. Plans offered may be subject to change. This training is not intended to serve as legal interpretation of the benefits, which are provided under the Master Policy (MNL ADEN-POL 0905 or SSL ADEN-POL 0905) issued to Communicating for America, Inc. The exact provisions governing the insurance contract are contained in the Master Policy underwritten by Madison National Life Insurance Company or Standard Security Life Insurance Company of New York. Some provisions, benefits, exclusions, or limitations may vary depending on the client’s state of residence. The Denali Dental plan may not be available in all states. Certain terms and conditions apply. Refer to the brochure or certificate of insurance for eligibility information, termination provisions and a list of exclusions and limitations.

Important Notice


800-620-5010www.denalidental.com

Documents

Why Denali Dental and Vision Powerpoint