Dental, Vision & Hearing Select

Every benefit below is transcribed from ManhattanLife Dental, Vision and Hearing Select brochure DVHS-NVBR 0525 (Nevada edition). Benefits, amounts and riders vary by state; the policy issued to you governs.

• Choose the policy year maximum Included

  The maximum the policy pays in a policy year is chosen at application: $1,000, $1,500, $3,000 or $5,000.

• Choose the deductible Included

  $0 or $100 per person for the policy year. The deductible does not apply to preventive services.

• Preventive services Included

  Dental exams twice a year, cleanings twice a year, bitewing X-rays twice a year, and fluoride treatment twice a year for age 16 and under. Paid at 100% of the contracted rate in network, or 80% of usual, customary and reasonable charges out of network.

  No waiting period, and the deductible does not apply.

• Basic services Included

  Limited oral evaluation, diagnostic consultation, emergency palliative treatment, panoramic and periapical X-rays, periodontal and periodontal non-surgical services, basic restorative service, fillings, basic oral surgery and non-surgical extraction. Paid at 65% in the first year and 80% thereafter, of the contracted rate in network or of usual, customary and reasonable charges out of network.

  No waiting period.

• Major services Included

  Major restorative service, inlay, onlay and crown, endodontic service, periodontal service, prosthodontic service and implants. Paid at 20% in the first year and 50% thereafter, of the contracted rate in network or of usual, customary and reasonable charges out of network.

  Implants carry a lifetime maximum of $1,500. No waiting period.

• All other medically necessary services Included

  Services not otherwise listed are paid at 20% in the first year and 50% thereafter, of the contracted rate in network or of usual, customary and reasonable charges out of network.

• Orthodontia Included

  Straightening of teeth, at any age. Nothing is payable in the first year; from the second year it is paid at 50% in network. Not payable out of network.

  Waiting period: 12 months. Lifetime maximum $1,500. This is the only dental service on the policy that carries a waiting period.

• Vision rider — exams, lenses and contacts Optional rider

  Eye exam, refraction, single, bifocal, trifocal and progressive lenses, and contact lenses. Paid at 60% of usual, customary and reasonable charges in the first year, 70% in the second and 80% thereafter, one per year.

• Vision rider — frames and lens options Optional rider

  Eyeglass frame to a maximum of $200 per year. Anti-reflective lenses $45, one per year. Polycarbonate lenses $40, one per year. Contact lens fitting fee $15, one per year.

  The eyeglass frame benefit carries a 6 month waiting period.

• Hearing rider Optional rider

  Hearing exam, and hearing aids with necessary repairs or supplies, to a maximum of $750 per ear per year.

  Waiting period: 12 months on hearing aids, repairs and supplies. The exam is paid from the same maximum as the aid.

• Use any dentist, in network or out Included

  Benefits are payable whichever dentist is used. The Careington Maximum Care PPO dental network is optional; using it reduces the charge, which makes the policy year maximum go further.

Dental, Vision and Hearing Select on its own page, with its own enrollment link.

Issue ages

Ages 18 to 99. Family rates include up to three children; additional children are charged the age 3 to 17 rate per person.

Underwriting

Guaranteed issue.

Renewability

Guaranteed renewable for life, subject to the company's right to change premiums.

Policy form

AK7034NV. Rider forms AK7034VR, AK7034HR. Form numbers and benefits vary by state.