At Last! Affordable Quality Dental and Vision Coverage for You and Your Family!

AlwaysDentalSM is now available to you as an individual dental insurance plan. This program offers coverage for routine twice-annual exams and hundreds of common dental procedures. Also included for you is an annual vision exam performed by a licensed ophthalmologist or optometrist ($35 allowance with no deductible; one visit per year).

Freedom of Choice
Choose any dentist to provide your dental health care. The AlwaysDentalSM plan pays a flat dollar amount per dental procedure based on the fee schedule for your specific region. You may also choose one of over 73,000 access points and generally pay less out of pocket. The AlwaysDentalSM plan will pay the lesser of the provider’s actual charge or the amount listed on the Schedule of Covered Dental Procedures. The vision network provides vision discounts at more than 10,000 locations nationwide.

Easy to Enroll
If you are age 19 or older, simply complete a dental insurance application. Your acceptance is guaranteed!

Flexible and Affordable
We offer many different coverage options: Individual; Individual & Spouse; One-Parent Family; or Two-Parent Family. You choose the billing option that’s most convenient for you. Premiums are based on your attained age at each policy anniversary date.

Hassle-Free
There’s no more guesswork. Just present your card at the dentist’s office and in most cases, your dentist will submit a claim on your behalf (or you may send it to us). For preventive care and basic dental services, coverage begins the very first day. No waiting!

Deductible
Just $50 per year for each covered family member.

Maximum Benefit
 $1,000 per year for each covered family member.

Plan Reimbursement
 100% of the scheduled amount for the service provided.

Plus an Extra Vision Benefit
 You and each insured member of your family will receive an annual $35 eye exam allowance. You may also be eligible for special pricing from over 10,000 vision providers on other vision services.

Services Available

Frequency of Services

Preventive
 No Waiting Period

· Oral Evaluation

2 times per 12 months

· Bitewing X-rays

1 time per 12 months

· Full Mouth X-rays

1 time per 60 months

· Simple Cleaning

2 times per 12 months

· Fluoride Treatment

1 time per 12 months up to age 16

Basic
 No Waiting Period

· Sealants

1 time per molar per 36 months

· Space Maintainers

1 per lifetime per arch

· Fillings

1 time per tooth surface per 24 months

· Simple Extractions


· Palliative Emergency Treatment

1 time per 12 months

Major
 12 Month Waiting Period

· Anesthesia*


· Oral Surgery


· Endodontics


· Periodontics


· Single Tooth Restorations
(Crowns, Inlays, Onlays)

1 time per 7 years per tooth

Prosthodontic (Dentures)
 24 Month Waiting Period

· Fixed Prosthodontics

1 time per 7 years

· Removable Prosthodontics

1 time per 7 years

· Prosthodontic Repairs and Adjustments


Orthodontics
 No Waiting Period

· In-Network Discounts only


Please Note: See Schedule of Covered Services for a sampling of covered procedures. A full listing of the hundreds of procedures will be provided with your policy. Services and benefits paid vary according to region. This form is not a contract of insurance. Please Note: this is a brief description of the AlwaysDental plan. It should be used only as a guide. It does not contain complete plan details. Terms and conditions, including a complete list of benefits, limitations and exclusions, are defined in the member certificate issued following enrollment in the plan. If questions arise concerning coverage, the subscriber certificate and riders will govern.

*In conjunction with oral surgery subject to review.

AlwaysDental is underwritten by National Guardian Life Insurance Company and administered by AlwaysCare Benefits, Inc. (a Starmount Life Insurance company). In California: AlwaysDental is underwritten by National Guardian Life Insurance Company and administered by Cypress Dental Administrators. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian or Guardian Life.


Monthly Premium Rates

 

Region 5
Region 4
Age Range
Premium
Age Range
Premium







Child(ren)
$40.89
Child(ren)
$36.11
19-39
$30.93
19-39
$27.60
40-59
$37.23
40-59
$33.23
60-64
$41.17
60-64
$36.76
65+
$47.74
65+
$42.60







First 3 Digits of Zip Code
Region
First 3 Digits of Zip Code
Region
902-931
5
900-901
4
933-935
5
932
4
940-951
5
936-939
4
954-961
5
952-953
4

To determine the total rate for the subscriber plus spouse and/or child(ren), simply find the rate for each person and add each person's rate together.  Example: Joe Smith, age 42 living in Region 4 would have a rate of $33.23.  If he were to enroll his spouse, Mary age 38, also in Region 4, her rate would be $27.60.  Joe and Mary have two children they wish to enroll, so they would pay one flat rate for all of their children, $36.11.  Joe's rate ($33.23) + Mary's rate ($27.60) + Child(ren) rate ($36.11) = $96.94.  For further assistance with your quote, please contact us at 800-350-3989 Option 3, or quotes@cypressadmin.com.



AlwaysDental Rate Chart

Frequently Asked Questions

AlwaysDental Provider Directory