DENTAL term life quotes

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					GROUP
 DENTAL
    TRUE GROUP DENTAL
                             AVAILABLE PLANS
                             Kansas City Life Group Dental plans are flexible enough to meet any clients’ needs. Employers may
Employers understand
                             elect the traditional indemnity plan which allows employees to seek services from any provider or
how important benefits       the PPO plan allowing employees to see additional cost savings by using a network provider. When
plans are in attracting      choosing a network provider, whether through the indemnity plan with the passive PPO or the
                             directed PPO plan, employees are not balance-billed.
and retaining valuable
employees. When you          COVERED SERVICES
                             Routine exams and cleanings, x-rays and fluoride treatments are generally covered under Preventive
add a dental plan to your
                             services.
client’s benefits package,
                             Basic services may include fillings and emergency palliative treatment. Oral surgery will also be
you are providing one        included in Basic services, but may be moved to Major services for additional savings.
of today’s most popular
                             Major services include crowns, bridges and dentures. Endodontics and Periodontics will be included
benefits. That’s because     under Major Services, but may be paid under Basic Services.

it’s a highly visible and    Orthodontia is available to dependent children who are under the age of 19 when treatment is
highly utilized benefit.     received.

Kansas City Life Group       CO-INSURANCE PERCENTAGES
Benefits is proud to offer   Co-insurance percentages will vary depending on the type of service. Numerous options are available
                             from traditional 100/80/50 indemnity-style plans to alternatives that provide increased co-insurance
comprehensive dental
                             percentages for network providers or reduced co-insurance percentages as a cost-savings alternative.
plans with options that
                             DEDUCTIBLES
fit the budget of any        Standard plans waive the deductible for Preventive and Ortho services and include a combined $50
employer, large or small.    deductible for Basic and Major services with a three-time family limit. However, deductibles from
                             $25 to $100 are available and may be included on all four types of services as requested.

                             ANNUAL MAXIMUMS
                             A wide range of plan maximums are available. Annual maximums and Lifetime Orthodontia
                             maximums may be as little as $500 or as great as $2,000.

                             WAITING PERIODS
                             The standard plan does not require a waiting period for preventive or basic services, but does include
                             a 12 month waiting period for major and orthodontia coverage. With underwriting approval,
                             employers may elect to eliminate all waiting periods from the plan.
CONTRIBUTION AND PARTICIPATION REQUIREMENTS
True Group dental plans require a minimum employer contribution of 50 percent and at
least 75 percent employee participation. When the employer pays the entire cost of the
benefit, all employees must be enrolled. The voluntary plans, which require 25 percent
participation, allow the employer to make the benefit available without contributing to the
premium. All plans require a minimum of 10 employees to be enrolled at all times.

PREFERRED PROVIDERS
Kansas City Life Group Benefits dental plans are linked to Connection Dental. The
Connection Dental Network from PPO USA is a growing, national dental PPO network
                                                                                                For a competitive quote,
with more than 43,000 provider locations in all 50 states. The website, www.ppousa.com,
                                                                                                submit the following
allows employees to search for dentists and specialists in their area as well as nominate
                                                                                                information:
dentists to the network.
                                                                                                •   Company name
CLAIMS ADMINISTRATION                                                                           •   Location (city, state, zip)
Our dedicated, knowledgeable professionals process claims promptly and accurately. Our          •   Nature of business
state-of-the-art claims system and cost-control procedures assure that the benefit plan will    •   Census data – including
be properly managed. All dental claims are paid in the Kansas City Life Home Office in              gender, age or date of birth
Kansas City, MO. In order to promptly handle eligibility and plan inquiries, Kansas City Life       and family status
Group Benefits utilizes the VeriFax system. Providers call 800.874.5254 ext. 6045, enter the    •   Benefit plan desired
appropriate Social Security Number and immediately receive, via facsimile, documentation        •   If there is an existing plan,
regarding the plan design and eligibility.                                                          please include the following
                                                                                                    information:
Kansas City Life Group Benefits does accept claims filed electronically and prides itself on
                                                                                                    •    Present plan and rates
prompt and accurate claims paying ability.
                                                                                                    •    Present carrier
It is recommended that employees notify the claims department in advance if they expect             •    Experience – paid
dental expenses to exceed $400. By doing so, employees know in advance approximately how                 premium vs. paid
much expense they will incur and the benefits the plan will provide.                                     claims (required only
                                                                                                         on groups larger than
Benefits under the Kansas City Life plan will coordinate with other group plans so that no
                                                                                                         100 lives)
more than 100 percent of allowable expenses are paid.

                                                                                                Forward information to:
OPTIONAL VISION DISCOUNT                                                                        Fax: 816-531-4648
Employers have the option to include the Preferred Vision Care network discount with their
                                                                                                E-mail: groupbenefits@kclife.com
dental benefit plan. This membership entitles employees and their families to professional
service and quality vision products without the need for pre-approval or claim forms – they
simply pay the provider directly.
•   Save up to 20 percent on contacts, and receive discounts on eyeglasses, tinting and more
•   No limit on the number of times the benefit is used
•   Simple access to the provider listing at www.preferredvisioncare.com
                                       ELIGIBILITY
                                       All permanent, full-time employees actively working at least 30 hours a week may be covered.
                                       Eligible dependents include the spouse and unmarried children under age 19 (or up to age 25 if
                                       attending school full-time and financially dependent upon the employee for support). Ages may
                                       vary by state.


                                       No individual who is eligible for coverage as an employee may be insured as a dependent. If two
                                       eligible employees are married, only one may insure the spouse and eligible children.


                                       LATE APPLICANT PROVISION
                                       Employees who have completed the probationary waiting period should enroll for dental cov-
                                       erage within 31 days of becoming eligible and coverage will be effective on the first day of the
                                       month following enrollment. Employees and dependents who do not enroll when first eligible
                                       are considered late applicants. Benefits for late applicants are limited to Type I services for a mini-
                                       mum of 12 consecutive months. Late applicants will be entitled to full benefits beginning with
                                       the next calendar year (Jan. 1) following 12 consecutive months of continuous coverage.


                                       This is not a certificate of insurance, but a brief description only. The group policy alone determines all
                                       rights and benefits. Kansas City Life reserves the right to withdraw this offer at any time. Products and
                                       plan options may not be available in all states. Please contact your Kansas City Life Group Benefits
                                       sales representative for more details.


Underwritten by:
Kansas City Life
Insurance Company                               GROUP PRODUCTS FROM
Since 1895                                      KANSAS CITY LIFE INSURANCE COMPANY
3520 Broadway
                                                Offering a variety of other employee benefit plans to meet your specific needs.
Kansas City, MO 64111-2565
PO Box 219425
Kansas City, MO 64121-9425                      ■ Term Life and Accidental Death & Dismemberment
Toll free: 1-877-266-6767, ext. 8200            ■ Voluntary Life
Fax: 816-531-4648
E-mail: groupbenefits@kclife.com
                                                ■ Short Term Disability
Website: www.kclgroupbenefits.com               ■ Voluntary Short Term Disability
                                                ■ Long Term Disability
                                                ■ Voluntary Long Term Disability
                                                ■ Dental
                                                ■ Voluntary Dental
                                                ■ Vision Care
                                                ■ Select Trust Plus – Life, STD, LTD & Dental


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