Products
Dental Insurance 101
Liferaft offers affordable and comprehensive dental insurance that can fit any budget. Learn the ins and outs of our dental insurance plans and resources to help you sell them.
August 5, 2022
Liferaft offers three different levels of Dental Plans in partnership with Ameritas and they are available across the country. These plans provide preventative services such as exams and cleanings and major services such as oral surgery.
All three plans are guaranteed-issue, dependent children are covered until the age of 26, there is no termination age, and are mostly available in 49 states including DC.
The dental policies have three benefit variations which are Maximum Allowable Charge PPO (MAC), Usual & Customary (U&C), and Indemnity. Each plan also includes three Benefit Types, Type 1 Preventative, Type 2 Basic, and Type 3 Major.
Agents can download this Dental Plan flyer to share with their clients. Find this flyer and all other client flyers in the Sales Tools on the Liferaft Broker Dashboard. Read on to learn about the specific benefits of each of the plans, including state availability, coinsurance, and waiting periods.
The PrimeStar Value Plan only provides Dental Benefits and is best for clients who are on a budget and looking for minimum coverage.
The plan offers three benefit variations (MAC, U&C, and Indemnity) that are dependent on where the client lives. This plan is available in 47 states and DC, the states that are not available for this plan are Maryland, New Mexico, and Washington.
See the chart below for information about the PrimeStar Value Plan availability by state.
This plan does not offer Childhood Orthodontics, Hearing, or Lasik benefits.
The chart below will show the Dental Benefits that this policy has including coinsurance, deductibles, and what each Benefit Type covers.
The PrimeStar Access Plan primarily provides Dental Benefits, but also offers limited Lasik Benefits. This plan is the best fit for most clients who are looking for extra coverage but don’t want too high of a monthly premium.
The plan offers three benefit variations (MAC, U&C, and Indemnity) that are dependent on where the client lives. It’s available in 49 states including DC, this plan is not available in the state of Washington. It also offers In-Network and Out-of-Network coverage.
The PrimeStar Value plan offers a Child Orthodontic Benefit. There is no annual deductible, a lifetime maximum of $1,000, and in most states has no waiting period.
Child Orthodontic Coinsurance:
The Lasik Benefit offered through this plan has a coinsurance rate of 100% and no annual deductible.
Lasik Lifetime Maximum Benefit (per eye):
View the chart below to learn about PrimeStar Access's Dental Benefits.
The PrimeStar Total Plan offers Dental Benefits but also offers limited Hearing Benefits in most states. This plan is the best fit for clients seeking maximum coverage or hearing services.
The plan offers three benefit variations (MAC, U&C, and Indemnity) that are dependent on where the client lives. It’s available in 49 states including DC, this plan is not available in the state of Washington.
The PrimeStar Total Plan does not offer Child Orthodontics or Lasik benefits, but it does offer Hearing Benefits (excludes MA, NH, NM, and NY) and the Hearing Benefits have no annual deductible.
Hearing Coinsurance:
Annual Benefit Maximum (per insured):
The chart below will show the Dental Benefits offered through PrimeStar Total.
This video reviews how to place business and navigate the Liferaft platform when selling Dental and Vision products. Please note, that all Liferaft agents must ensure that they have completed the necessary paperwork to become appointed to sell Dental and Vision products.
Check your email for a link to the Ameritas appointment form. You must complete this form in order to sell Dental policies—even if you are already appointed to sell other Liferaft products. For agents that sell a dental policy without prior completion of appointment paperwork, Liferaft will not pay any commissions for those policy sales.
Liferaft offers affordable and comprehensive dental insurance that can fit any budget. Learn the ins and outs of our dental insurance plans and resources to help you sell them.
