Dental, Vision and Hearing insurance from ManhattanLife is designed to meet as many needs outside of standard medical insurance as possible. It provides coverage at the dentist as well as vision and hearing benefits for things like contact lenses, hearing aids, eye exams, and more. You choose if your annual benefit is $1,000 or $1,500 and your annual deductible is just $100 per person.
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CHOOSE YOUR DENTIST No networks!
SIMPLE APPLICATION No health related questions.
GUARANTEED ISSUE Ages 18 to 85.
SAVE WITH FAMILY RATES Includes up to 3 children.
GUARANTEED RENEWABLE FOR LIFE Low premiums.
Eligibility Anyone age 18-85
Policy Year Maximum Benefit $1,000 or $1,500 (choose one)
Policy Year Deductible $100 per person
PREVENTIVE SERVICES Semi-Annual exams, cleaning and x-rays
Year 1 - 60% Year 2 - 70% Year 3 and thereafter - 80%
No waiting period
BASIC SERVICES Including x-ray (other than "full mouth"), fillings and extractions
MAJOR SERVICES Including bridges, crowns, full dentures or partials, full mouth extractions, and root canals
Year 1 - 0% Year 2 - 70% Year 3 and thereafter - 80%*
12 month waiting period *In OH, year 2 and thereafter is 70%
Basic eye exam, eye refraction, including the cost of eye glasses or contact lenses
Year 1 - 60% Year 2 - 70% Year 3 and thereafter - 80%*
6 month waiting period on eyeglasses and contact lenses *In OH, year 2 and thereafter is 70%
Exam, hearing aid and necessary repairs or supplies
12 month waiting period on new hearing aids and existing hearing aid repairs *In OH, year 2 and thereafter is 70%
HIDDEN COSTS OF DENTAL
Nearly 65 million American adults have some form of periodontal disease.3
People with periodontal disease are twice as likely to develop heart disease.3
More than $45 billion in productivity is lost in the U.S. to unplanned, emergency dental care each year.2
Disclaimer: After your waiting period and once you have paid your Policy Year Deductible of $100, we will pay the percentages listed for the covered services up to the chosen Policy Year Maximum Benefit.
Benefit exclusions and limitations may apply to the policy. For additional information about dental, vision and hearing insurance or any of our other quality products, please contact us or your ManhattanLife Agent or Broker.
APercentage of Basic eye exam or eye refraction, including the cost of eye glasses or contact lenses after 6 month waiting period. BPercentage of Exam, hearing aid, and necessary repairs or supplies after 12 month waiting period. CSubject to our right to change premiums.
Sources for statistics: 1Centers for Disease Control and Prevention; 2cdc.gov/oralhealth/basics; 3authoritydental.org