As an agent, you want to be sure that your client has the most comprehensive health insurance at a price point they can afford. Liferaft’s supplemental products help fill the gap in major medical coverage when your clients experience an accident, hospital visit, or critical illness. 

The same principle applies when helping your clients sign up for Liferaft’s Dental and Vision coverage. 

Most health insurance plans do not cover dental and vision services, so it’s important to encourage your client to have dental and vision coverage alongside their major medical health insurance. People often focus on finding the most affordable health insurance, but taking care of your teeth and vision is essential to staying healthy. 

Liferaft’s Dental and Vision Insurance plans are in partnership with Ameritas, and are available nationwide at an extremely affordable price. In addition, both products are guaranteed-issue and have no termination age, meaning clients aged 18 years or older can purchase with guaranteed acceptance.

Liferaft’s straightforward and affordable Dental Insurance makes it easy for your clients to lead a happy and healthy lifestyle. Liferaft’s Dental Insurance offers three levels: PrimeStar Value, PrimeStar Access, and PrimeStar Total. These plans provide coverage for things like exams, cleanings, fillings, and oral surgery. 

If your clients don’t currently have dental insurance or are looking to make a provider switch, take a look at the steps below to see just how simple the enrollment process will be for your and your clients.

How Dental Coverage Works:

• Clients Select Their Coverage Level: Affordably priced options cover up to 100% of preventive exams and cleanings with additional coverage depending on the plan selected.
• Clients Can Easily Find a Provider: After enrollment, it’s easy to search in the online portal to find a highly rated in-network dental provider.
• Clients Will Get the Care They Need: Your client’s dentist will handle the paperwork to get their care reimbursed. Clients will only pay their portion out-of-pocket.

To learn more about Liferaft’s Dental Plans and how they work, you can find the Dental Insurance 101 article in your Agent Resources.

According to VSP, eight out of ten people say they need an eye exam, but just over half of them see an eye doctor annually. People don’t visit their eye doctor because “it’s too expensive” or they “don’t have vision coverage.” 

Liferaft’s Vision Insurance offers two different plans, PrimeStar Select and PrimeStar Choice. For these plans, coverage begins within two days of a submitted application, is available nationwide, has no waiting periods, and has out-of-network benefits.

These plans provide coverage for eye health expenses your client might have and includes services and materials such as eye exams, eyeglasses, contact lenses, and fit and follow-up exams for contacts.

How Vision Coverage Works:

• Clients Select Their Coverage Level: Affordably priced options cover up to 100% of eye exams, contacts, and glasses, depending on the plan they select.
• Clients Find a Provider: After enrollment, it’s easy for clients to search in their online portal to find a high-quality provider. 
• Clients Start Seeing Clearly: Clients can visit a provider to get fitted for frames or lenses, and the provider will handle getting the client's care reimbursed. 

Read more about Liferaft’s Vision Insurance in this detailed Product 101 available in your Agent Resources.

Pairing supplemental health products with major medical insurance helps ensure your clients are fully covered in case of emergencies. This is the same mindset when it comes to dental and vision insurance. 

Clients who enroll in Liferaft’s dental and vision insurance will pay affordable monthly premiums and receive great benefits. With Dental Insurance, your clients will receive coverage for cleanings, exams, surgeries, and more. And with Vision Insurance, clients will have to pay low early deductibles to receive eye exams, frames, or contacts. 

Make sure your clients are covered for any type of medical emergency—including dental and vision!

What type of coverage can my clients expect with Dental Insurance? 

The Dental Insurance offers clients three plans to choose from PrimeStar Value, PrimeStar Access, and PrimeStar Total. Each plan offers different benefits, from exams and cleanings to oral surgeries and dentures. 

Are there deductibles or frequencies for any of the Vision Insurance benefits? 

Yes, there are deductibles for benefits such as eye exams, glasses, and contacts. The deductible prices differ depending on your client's state, zip code, and plan. Each of Liferaft's Vision Plans have a benefit frequency, limiting the number of times a client can use that specific benefit during a set time period. Check your chosen plan details for specifics.

Can I enroll my client's family for Dental or Vision Insurance?

Absolutely! Dental and vision insurance offers four types of coverage: individual, individual + spouse, individual + child, and family. Dependent children are covered until the age of 26.