We have partnered with Renaissance Dental to allow our clients to offer their employees affordable dental insurance that can be reimbursed tax-free with their HRA.
Here's what their dental plans through Take Command offer:
Affordable pricing. Single-member plans starting at $40 per month, with $50 individual deductible and $1,000 annual maximum.
No waiting periods. Typically, there are 6-month waiting periods before a cavity can be filled, but with the Take Command offering through Renaissance Dental, waiting periods have been waived.
100% coverage for diagnostic and preventative services. No charge to you when you receive diagnostic, preventative service or annual cleaning from an in-network provider.
Robust networks. Renaissance has an extensive footprint with more than 300,000 top quality providers across the country.
No copays
Great customer service!
What does Renaissance Dental cover?
The chart below summarizes expected costs for different types of care for both in and out of network.
Disclaimer: Rates vary by state and age
Is your dentist in network with Renaissance Dental?
Renaissance Dental has an extensive network of partner providers (300,000+ dental providers, in fact!). Follow this link for a provider search tool to check if your favorite dentist is in network. Their provider search tool will be a better resource than calling your dentist and asking about Renaissance Dental.
Pro-tip: Take Command's plan with Renaissance Dental allows you to go to any dentist, but you'll save on out-of-pocket costs if you stick with in-network providers.
HRAs and Dental Insurance
Your HRA can be used to reimburse for medical premiums, as well as premiums for dental and vision insurance. If your employer also reimburses for medical expenses, your leftover HRA dollars (after paying your premiums) can cover the costs that dental insurance does not, alleviating out-of-pocket costs.
How to get set up with dental insurance
On the Take Command platform, when you're done shopping for medical insurance, you'll be prompted to select whether or not you want a dental plan. If you choose to, you'll be directed to Renaissance Dental's partner site. And remember, you'll only see this option to select a dental plan if your employer has selected to make it available.
Here's what it will look like:
Here are the steps to sign up for a dental plan on our platform:
Shop for medical insurance on the Take Command platform.
The platform will ask if you want to shop for dental insurance. Say yes!
You'll be redirected to our partner, Renaissance Dental, to complete your enrollment.
Set up a recurring premium on the Take Command portal.
Get reimbursed on your paycheck for dental premiums.
Visit a participating dentist and their office will complete and file claims for you.
Questions?
We are here to help you navigate this insurance adventure and figure out what works bets for you. Chat with us at the bottom of this screen or email support@takecommandhealth.com for help!