Encore^SM, Expressions^SM and Radiance^SM

Our dental products are available to all size employer groups. They feature flexible options, allowing employers to choose provider networks, benefit levels and services.

Product overview

Encore provides preventive care at the lowest price possible. Benefits include:

• Annual maximum of $500 or $750
  
• Deductible may apply for all benefits
  
• Eligible services are paid at 80% for preventive, 50% for restorative and 0% for major services.

Expressions provides upfront benefits to encourage preventive behavior and comprehensive coverage for when higher-priced treatments are needed.  Benefits include:

• Annual maximum of $1,000, $1,500 or $2,000
  
• Eligible services are paid at 100% for preventive (deductible is waived), 80% for restorative and 50% for major services
  
• An orthodontia rider is available with this product. The lifetime maximum is $1,000 or $1,500. Eligible services are paid at 50% after a 12 month waiting period.

Radiance is designed for employer groups that have members in areas where access to the Participating dental network may be limited. It offers provider choice at a lower price to help maintain the member’s access to affordable dental care. Benefits include:

• Deductible may apply for all benefits
• Annual maximum of $1,000 or $1,500
• Eligible services are paid at 50% after a 12 month waiting period.
  
• Reimbursement levels are 100% for preventive, 80% for restorative and 50% for major services.
  
• An orthodontia rider is available with this product. The lifetime maximum is $1,000 or $1,500.

Identifying members
Member cards are plastic and have one of the following backgrounds:

• A snowboarder image
• Four cityscapes (Boise, Portland, Salt Lake City or Seattle)
• Two graphic designs (diamonds or circles)

The card includes the following coverage indicators: medical (M), dental (D), vision (V) and prescription (RX) for each member. A “Y” indicates that the member has this benefit. Note: Individual member cards do not include these coverage indicators.

Obtaining benefits, eligibility or claim information
Use the Provider Center to quickly access benefits, eligibility and claim status.

Provider Networks
Members can seek services from our Participating dental networks for the lowest out-of-pocket costs.

Radiance is a non-network product, meaning members may seek services from any dental professional regardless of participation status. Providers may bill members for balances over our allowable in addition to any deductible, copayment and/or coinsurance amount for covered services.

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