Compare These Supplemental Healthcare Plans

Dental coverage includes services relating to the care and treatment of your teeth and gums. Dental insurance routinely covers services including semiannual checkups and cleanings, regular x-rays, fillings, dentures, bridges, crowns, orthodontics, gum disease treatment, oral surgery and root canals.

Vision care coverage includes services relating to care and treatment of the eyes. It usually covers optometrist and other services. Plans vary by provider, but may include annual exams, glasses or contact lenses, and Glaucoma screening. In addition, some plans may cover extensive services such as surgery. Often, there are limits on how much you can spend on your glasses or contacts.

Prescription coverage includes prescription drugs at reduced cost.

Chiropractic coverage includes office visits, examinations, and x-rays.

Company  

DentalCard

   Security Life Insurance Company of America  Baltimore Life Insurance Company   Baltimore Life Insurance Company  
                 
Plan Name   "DVPC" Dental Vision Prescription Chiropractic   Private Choice Dental & Vision

[no prescription or chiropractic]

 Plan A (Dental & Vision)

[no prescription or chiropractic]

   Plan C (Dental & Vision)

[no prescription or chiropractic]

  

Exclusions

   NONE - everything included   VIEW EXCLUSIONS VIEW EXCLUSIONS   VIEW EXCLUSIONS  
Plan Type   Discount - month to month   Insurance - open ended policy Insurance - open ended policy   Insurance - open ended policy  
Family Premium per month*   $19.95   $92.60 $108.00   $78.00  
Maximum Benefit   NO LIMITS   $1,500 Per Person Per Calendar Year (combined for all services)  $1,250 Per Person Per Calendar Year (combined for all services)    $1,000 Per Person Per Calendar Year (combined for all services)   
Service Area   ENTIRE U.S.A.
except Alaska		   Designated Provider Only  Designated Provider Only   Designated Provider Only  
 

Preventative Dental Services

   NO CLAIM FORMS  

 

 

 

  

 
Preventative Deductible   NO DEDUCTIBLE   $50 per person per year $50 per person lifetime   $50 per person lifetime  
Preventative Maximum Benefit   NO LIMIT   $1,500 Per Person Per Calendar Year  $1,250 Per Person Per Calendar Year   $1,000 Per Person Per Calendar Year  
Preventative Waiting Period   NO WAITING PERIOD   1 month None   None  
Preventative Exams   70-82% discount   85% 75% first 12 months then 100%   75% first 24 months then 100%  
Cleanings   75-82% discount   85% 75% first 12 months then 100%   75% first 24 months then 100%  
Preventative X-Rays   50-60% discount   50% Bitewings 75% first 12 months then 100%   Bitewings 75% first 12 months then 100%  
Fluoride   50-70% discount   85% 75% first 12 months then 100%   75% first 24 months then 100%  
 

Basic Dental Services

   NO CLAIM FORMS  

 

 

 

  

 
Basic Deductible   NO DEDUCTIBLE   $50 per person per year $50 per person per year   $50 per person per year  
Maximum Benefit   NO SPENDING LIMIT   $1,500 Per Person Per Calendar Year  $1,250 Per Person Per Calendar Year    $1,000 Per Person Per Calendar Year   
Basic Waiting Period   NO WAITING PERIOD   6 months 6 months   6 months  
X-Rays   50-60% discount   All X-Rays, 50/50  Diagnostic 25% for 7-12 month then 50%   Diagnostic 25% for 7-12 month then 50%  
Fillings   50-60% discount   50/50 25% for 7-12 month then 50%   25% for 7-12 month then 50%  
Sealants   50-60% discount   NOT COVERED 25% for 7-12 month then 50%   25% for 7-12 month then 50%  
Simple Extractions   50-75% discount   50/50 25% for 7-12 month then 50%   25% for 7-12 month then 50%  
Space Maintainers   50-75% discount   50/50 25% for 7-12 month then 50%   25% for 7-12 month then 50%  
 

Major Dental Services

   NO CLAIM FORMS  

 

 

 

  

 
Major Deductible   NO DEDUCTIBLE   $50 per person per year $50 per person per year   NOT COVERED  
Major Maximum Benefit   NO SPENDING LIMIT   $750 Per Person Per Calendar Year  $500 Per Person Per Calendar Year    NOT COVERED  
Major Waiting Period   NO WAITING PERIOD   18 months 12 months   NOT COVERED  
Cosmetic Dental   25-50% discount   NOT COVERED NOT COVERED   NOT COVERED  
Crowns   25-50% discount   50/50 25% for 7-12 month then 50%   NOT COVERED  
Bridges   25-50% discount   50/50 25% for 7-12 month then 50%   NOT COVERED  
Dentures   25-50% discount   50/50 25% for 7-12 month then 50%   NOT COVERED  
Peridontics   25-50% discount   15 Month Waiting Period, 50/50  25% for 7-12 month then 50%   NOT COVERED  
Endondontics   25-50% discount   15 Month Waiting Period, 50/50  25% for 7-12 month then 50%   NOT COVERED  
Oral Surgery   25-50% discount   15 Month Waiting Period, 50/50  25% for 7-12 month then 50%   NOT COVERED  
 

Orthodontic Services

   NO CLAIM FORMS  

 

 

 

  

 
Orthodontics Deductible   NO DEDUCTIBLE   None None   NOT COVERED  
Orthodontics Maxium Benefit   NO SPENDING LIMIT   $350 per person per calendar year, $1,000 lifetime limit $500 per person per calendar year, $1,000 lifetime limit   NOT COVERED  
Orthodontics Waiting Period   NO WAITING PERIOD   18 months waiting period 12 months waiting period   NOT COVERED  
Straightening of Teeth   25-50% discount   50% 25% for 7-12 month then 50%   NOT COVERED  
 

Vision Plan Optical Plan (Eye Care)

   Save from 20 to 60% off for eyewear including contact lenses and glasses. Save up to 30% on eye exams and surgeries.  

 

 

 

  

 
Vision Deductible   NO DEDUCTIBLE   $50 per person per calendar year None   None  
Vision Maximum Benefit   NO SPENDING LIMIT   $150 $1,250   $1,000  
Vision Waiting Period   NO WAITING PERIOD   1 month for exam, 15 months for eyewear None for exam, 12 months for eyeware   None for exam, 12 months for eyeware  
Vision Exams   25-50% discount   85% 75% for first 12 months then 100%   75% for first 24 months then 100%  
Eyewear   25-60% discount   50% No coverage first 12 months, 25% for 13-24th month then 50%   No coverage first 12 months, 25% for 13-24th month then 50%  
Corrective Surgery   25-50% discount   NOT COVERED NOT COVERED   NOT COVERED  
 

Prescription Plan

   Prescription plan offers up to 25% off most brand name prescriptions and up to 50% off most generic drugs. Additional savings possible with mail order service.  

 

 

 

  

 
Brand Name   Up to 25%   NOT COVERED NOT COVERED   NOT COVERED  
Generic Drugs   Up to 50%   NOT COVERED NOT COVERED   NOT COVERED  
Local Pharmacy   YES   NOT COVERED NOT COVERED   NOT COVERED  
Mail Order   YES   NOT COVERED NOT COVERED   NOT COVERED  
 

Chiropractic Plan

   Free initial consultation, 50% off all diagnostic services and x-rays, with an additional 30% discount for all treatment.  

 

 

 

  

 
Initial Exam   FREE   NOT COVERED NOT COVERED   NOT COVERED  
X-Rays   50% discount   NOT COVERED NOT COVERED   NOT COVERED  
Office Visits   30-50% discount   NOT COVERED NOT COVERED   NOT COVERED  
 
Additional Information

  • No Waiting Period! 

  • No Deductibles! 

  • No Claim Forms!

  • Immediate coverage 

  • 100% satisfaction guarantee!

If you are not satisfied within the first 30 days, you can get a 100% refund. 

Plan offered for individuals or households, which includes EVERYONE in the household even if they are not related. 

This plan is not an insurance but a discount plan. All applicants are guaranteed acceptance. All pre-existing conditions are covered, except braces in progress.

Plan requires that you use one of the 100,000+ participating providers of the plan. If your provider is not listed, a form can be provided to have the company contact your provider to become a member. 

Services available in all states except Alaska.

One time $20 enrollment fee due at sign-up.

   Plan allows you to choose your own dentist and optometrist. Rates include a $1.00 per month Administration Fee. $25 one-time enrollment fee due with first premium payment. This provides a very brief summary of the benefits of this plan. Upon submission of your application request, our office will mail a copy of the benefit brochure which provides further details regarding the coverages, limitations, and exclusions as well as the application and premium payment options. Upon receipt of the completed application and the appropriate premium, you will be notified of your coverage effective date.  Plan allows you to choose your own dentist and optometrist. Rates include a $1.00 PCPM Administration Fee. $25 one-time enrollment fee due with first premium payment.     Plan allows you to choose your own dentist and optometrist. Rates include a $1.00 PCPM Administration Fee. $25 one-time enrollment fee due with first premium payment.    
               
Exclusions   NONE  

Security Life - Dental Expenses NOT COVERED:

No benefits will be paid for expenses incurred: for charges in excess of those considered reasonable and customary; for overdentures and associated procedures; for cosmetic procedures; for the replacement of full and partial dentures, bridges, inlays, onlays or crowns that can be repaired or restored to normal function; for implants, and for (a) the replacement of lost or stolen appliances, (b) the replacement of orthodontic retainers, (c) athletic mouthguards, (d) precision or semi-precision attachments, (e) denture duplication, or for (f) sealants; for oral hygiene instructions, and for (a) plaque control, (b) the completion of claim form, (c) acid etch, (d) broken appointments, (e) prescription or take-home fluoride, or for (f) diagnostic photographs; for services not completed by end of the month in which coverage terminates; for procedures that are begun, but not completed; for those services for which there would be no charge in the absence of insurance or for any service or treatment provided without charge; for services in connection with war or any act of war, whether declared or undeclared, or condition contracted or accident occurring while on full-time active duty in the armed forces of any country or combination of countries; for care or treatment of a condition for which you are entitled to or eligible for benefits under any Worker's Compensation Act or similar law; that are applied toward satisfaction of a Deductible, if any; that are generally considered by the dental profession as experimental or investigational; for the treatment of cleft palate and anodontia; for services or supplies payable under any medical expense plan; for orthodontia (unless specifically included); prior to the date the insured is covered under the policy; for the diagnosis or treatment of TMJ; for hospital services

Security Life - Vision Expenses NOT COVERED:

The cost of a lens in excess of a standard lens will not be covered. A standard lens is any lens which fits a frame with an eye size less than 61 mm. Charges for replacement lenses will not be covered unless there is a change in prescription. The cost of a frame in excess of a standard frame will not be covered. A standard frame is any frame which has a retail value of $75.00 or less. The cost of replacement frames will not be covered, unless the existing frame is not compatible with the replacement lenses.

Baltimore Life - Dental Expenses NOT COVERED:

No benefits will be paid for expenses incurred: for charges in excess of those considered reasonable and customary; for overdentures and associated procedures; for cosmetic procedures; for the replacement of full and partial dentures, bridges, inlays, onlays, or crowns that can be repaired or restored to normal function; for implants, and for (a) the replacement of lost or stolen appliances, (b) for replacement of orthodontic retainers, (c) athletic mouthguards, (d) precision or semi-precision attachments, or for (e) denture duplication; for oral hygiene instructions, and for (a) plaque control, (b) the completion of claim forms, (c) acid etch, (d) broken appointments, (e) prescription or take-home fluoride, or for (f) diagnostic photographs; for services not completed by end of the month in which coverage terminates, unless continuation of coverage has been requested by Us; for procedures that are begun, but not completed; for those services for which there would be no charge in the absence of insurance or for any service or treatment provided without charge; for services in connection with war or any act of war, whether declared or undeclared, or condition contracted or accident occurring while on full-time active duty in the armed forces of any country or combination of countries; for care or treatment of a condition for which you are entitled to or eligible for benefits under any Workers' Compensation Act or similar law; that are applied toward satisfaction of a Deductible, if any; that are generally considered by the dental profession as experimental or investigational; for the treatment of cleft palate and anodontia; for services or supplies payable under any medical expense plan; for orthodontia (unless specifically included); prior to the date the insured is covered under the Policy; for the diagnosis or treatment of TMJ; for hospital services.

Baltimore Life - Vision Expenses NOT COVERED:

The cost of a lens in excess of a standard lens will not be covered. A standard lens is any lens which fits a frame with an eye size less than 61mm. Charges for replacement lenses will not be covered unless there is a change in prescription. The cost of a frame in excess of a standard frame will not be covered. A standard frame is any frame which has a retail value of $75.00 or less. The cost of replacement frames will not be covered, unless the existing frame is not compatible with the replacement lenses. In addition to the above, the following expenses are NOT COVERED: any procedure, service or supply included as a covered medical expense under any group insurance plan, whether benefits are payable as to all or only part of such charges; special procedures, such as orthoptics, vision training, and subnormal vision aids; plano or prescription sunglasses or other special purpose vision aids; medical or surgical treatment of the eyes, including hospital expenses; replacement of lost or broken lenses and/or frame; duplicate glasses or lenses or frame; services or material not listed as an Eligible Expense; contact lenses are provided in lieu of all other eyewear benefits, if the visual acuity of the insured is 20/70 or worse in the insured's better eye limited to one pair in any 24 months.

 

  

Baltimore Life - Dental Expenses NOT COVERED:

No benefits will be paid for expenses incurred: for charges in excess of those considered reasonable and customary; for overdentures and associated procedures; for cosmetic procedures; for the replacement of full and partial dentures, bridges, inlays, onlays, or crowns that can be repaired or restored to normal function; for implants, and for (a) the replacement of lost or stolen appliances, (b) for replacement of orthodontic retainers, (c) athletic mouthguards, (d) precision or semi-precision attachments, or for (e) denture duplication; for oral hygiene instructions, and for (a) plaque control, (b) the completion of claim forms, (c) acid etch, (d) broken appointments, (e) prescription or take-home fluoride, or for (f) diagnostic photographs; for services not completed by end of the month in which coverage terminates, unless continuation of coverage has been requested by Us; for procedures that are begun, but not completed; for those services for which there would be no charge in the absence of insurance or for any service or treatment provided without charge; for services in connection with war or any act of war, whether declared or undeclared, or condition contracted or accident occurring while on full-time active duty in the armed forces of any country or combination of countries; for care or treatment of a condition for which you are entitled to or eligible for benefits under any Workers' Compensation Act or similar law; that are applied toward satisfaction of a Deductible, if any; that are generally considered by the dental profession as experimental or investigational; for the treatment of cleft palate and anodontia; for services or supplies payable under any medical expense plan; for orthodontia (unless specifically included); prior to the date the insured is covered under the Policy; for the diagnosis or treatment of TMJ; for hospital services.

Baltimore Life - Vision Expenses NOT COVERED:

The cost of a lens in excess of a standard lens will not be covered. A standard lens is any lens which fits a frame with an eye size less than 61mm. Charges for replacement lenses will not be covered unless there is a change in prescription. The cost of a frame in excess of a standard frame will not be covered. A standard frame is any frame which has a retail value of $75.00 or less. The cost of replacement frames will not be covered, unless the existing frame is not compatible with the replacement lenses. In addition to the above, the following expenses are NOT COVERED: any procedure, service or supply included as a covered medical expense under any group insurance plan, whether benefits are payable as to all or only part of such charges; special procedures, such as orthoptics, vision training, and subnormal vision aids; plano or prescription sunglasses or other special purpose vision aids; medical or surgical treatment of the eyes, including hospital expenses; replacement of lost or broken lenses and/or frame; duplicate glasses or lenses or frame; services or material not listed as an Eligible Expense; contact lenses are provided in lieu of all other eyewear benefits, if the visual acuity of the insured is 20/70 or worse in the insured's better eye limited to one pair in any 24 months.

 

  
   

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* Family of 2 adults and 2 children used for Insurance rate calculations. DentalCard rate is the same for 2 or more persons at same household address.
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