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Boost your benefits with dental and vision 

Dental insurance and vision insurance are essential parts of any competitive benefits package. By offering coverage through Colonial Life, you can help your employees access dental and vision care without impacting your bottom line.

Supporting dental health and overall wellness

Employees rank dental insurance as the second most desired benefit after health coverage{sup}1{~sup}

Regular dental care is an important part of maintaining overall health. However, dental cleanings and procedures aren’t usually covered by health insurance, potentially leaving your employees with bills to pay.

Colonial Life Dental Insurance encourages routine dental care, creates a more competitive benefits package and helps reduce out-of-pocket expenses for an array of procedures, including:

  • Cleanings
  • Fillings
  • Sealants
  • Tooth removal
  • Crowns
  • Dentures

Healthier, happier employees contribute to stronger businesses. If you’re looking for ways to round out your benefits package without incurring direct costs to your organization, consider Colonial Life Dental Insurance.

Enhance your employee's dental insurance with vision coverage

Colonial Life Dental Insurance offers an optional vision rider to help pay for eye exams and materials, such as glasses and contact lenses. This additional coverage can help your employees maintain healthy vision and overall wellness.

Your employees will have access to a national vision network that includes independent optometrists, ophthalmologists and retail stores like Walmart, Sam’s Club Optical, Costco, Pearle Vision and Target.

Focus on your business, and we'll take care of the benefits

Contact us now to learn more about offering dental insurance benefits to your employees.

Mother and young daughter smiling at dentist office

The advantages of Colonial Life Dental Insurance

Offer employees dental coverage at no direct cost to you

Colonial Life Dental Insurance is an employee-paid, individual dental plan that provides benefits for a variety of covered procedures, from routine cleanings to root canals.

All Colonial Life Dental Insurance plans:

  • Provide dental coverage for preventive, basic and major services
  • Offer access to a nationwide network and allow for substantial discounts by seeing an in-network provider
  • Have coverage options for your spouse and/or dependents
  • Are individually owned so employees can keep their coverage even if they change jobs
  • Offer the ability to include orthodontia and vision coverage

Contact your Colonial Life representative to learn more about the coverage that is best for your employees.

Colonial Life has two dental products that are available. They are the individual dental PPO and individual dental fee schedule insurance. To learn more about the features and benefits of each dental policy, contact your Colonial Life representative.
Colonial Life Vision Insurance covers an exam and materials once per 12 months. Employees can get more details from their benefits counselor.
Each person’s needs vary, so encourage employees to look back at the amount they spent on dental expenses in past calendar years. This can help them identify the estimated amount they spend on dental each year. If an employee hasn’t had dental care recently, contact your representative for help calculating an appropriate amount for coverage for their family.

Employees can use our provider search to see if their dentist is part of our network. Click here for more information.

Hypothetical claim estimates or information regarding claim benefits cannot be provided to anyone who does not have a policy in force. Once coverage is in force, the insured employee’s dentist can submit pre-estimates for procedures to help policyholders determine claim benefit outcomes.
Coverage for preventive and basic services starts on the first day, and employers have the option to extend this to major services as well.
At this time, Colonial Life only offers individual dental insurance.
Yes
To determine how much a dental procedure will cost and what the benefit amount will be, the employee’s dentist will be able to submit a pre-determination/pre-estimate to allow for an estimate of benefits available.

Employees can log in to their account to view their policy, update their contact information and manage their insurance. If they don’t have an account, they can register here.

Most dentists will file insurance claims on behalf of their insured patient. The benefit can be paid to the employee, but most of the time the employee will choose to have the benefits paid directly to the dentist. Although claim payments will not default to the provider, the majority of dental offices have standard forms that require assignment in order to be accepted as a patient. This is standard practice in the dental insurance industry.

Yes, Colonial Life Dental Insurance is individually-owned, so employees can keep their plan even if they change jobs. To learn more and begin this process, employees can download the Payment Method Change Form.

1 LIMRA & EY, 2023 Workforce Benefits Study.

The vision rider may not be available in all states.

THESE POLICIES PROVIDE LIMITED BENEFITS.

DENTAL AND VISION NETWORK ACCESS PLANS ARE AVAILABLE FOR DENTAL PPO PRODUCTS.

For the Dental Network Access Plan, click here.

For the Vision Network Access Plan, click here.

In certain Texas counties, Colonial Life & Accident Insurance Company may have received a waiver for a departure from network adequacy requirements. For more details and a list of affected counties, click here.

Individual Dental PPO (IDN8000) or Individual Fee Schedule Insurance is not available for sale to new accounts or existing accounts without a dental offering in place in MA. This is effective as of March 4th, 2024.

This information is not intended to be a complete description of the insurance coverage available. The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. Applicable to policy forms IDN8100, IDN8000, Dental, and rider forms R-VSN8100, R-VSN8000, R-Vision and R-Ortho (including state abbreviations where used, for example: IDN8100-TX, Dental-TX, and R-VSN8000-TX). For cost and complete details of coverage, call or write your Colonial Life representative or the company. An insurance producer may contact you.

California residents – Summary of Dental Benefits and Coverage Disclosure Matrix (SDBC) is available for IDN8000-CA/IDN8100-CA (Individual Dental PPO)

California residents – Summary of Dental Benefits and Coverage Disclosure Matrix (SDBC) is available for Dental-CA (Fee Schedule)

Arizona residents – View exclusions, limitations, and reductions for policy forms IDN8100-AZ, IDN8000-AZ, R-VSN8000-AZ, and Dental-AZ

Kentucky residents – View detailed disclosures, including exclusions and limitations for policy forms IDN8100-KY, IDN8000-KY, R-VSN8000-KY, and Dental-KY