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At HealthyAmerica, we understand the importance of maintaining both oral and visual health. Our Dental and Vision Insurance plans are designed to complement your existing health coverage, making it easier and more affordable to access essential care.
Dental insurance plays a crucial role in promoting preventive care, which is vital for maintaining overall health. With our plans, you can enjoy: preventive services like regular exams and cleanings, basic and major services for necessary treatments like fillings, root canals and more. Regular dental visits can aid in the early detection of conditions like gum disease and may even highlight broader health issues, allowing for timely intervention.
Vision insurance provides significant benefits, enabling you to maintain optimal eye health and potentially uncover other health concerns. Regular checkups can detect vision changes and early signs of eye-related conditions or general health issues. Access to necessary eye care services ensures that any issues are addressed promptly, safeguarding your vision and overall health.
These supplemental plans aim to minimize out-of-pocket costs, encouraging more frequent visits to dental and eye care professionals. By maintaining regular appointments, you not only protect your oral and visual health but also potentially uncover early signs of other medical concerns.
For more information or to discuss the best insurance options for your needs, please call us at 866-438-4274. We are eager to assist you and ensure that you have the coverage necessary for peace of mind and a healthly lifestyle.
Our Dental Insurance plans provide coverage for a range of dental services, including preventive, basic, and major procedures. These plans are designed to support your oral health needs by covering regular check-ups and various dental expenses. Be sure to consult the policy and certificate of insurance for specific terms, conditions, limitation, and exclusions that may apply.
Our Vision Insurance plans offer valuable savings on essential vision care. Members can benefit from annual comprehensive eye exams, a generous allowance for frames, and discounts on lens enhancements, ensuring that your vision needs are met affordably.
All of the Group Dental & Vision Plans require membership in an Association (UBA). As a member of the association group, you can add the supplemental group insurance to your membership. VSP Individual Vision Plan does not require membership in the association (UBA). For the insurance underwriting carrier, the full details of the plan, terms, conditions, limitations and exclusions, review the Certificate of Insurance. If there are any discrepancies between the descriptions above or below, the Certificate of Insurance will govern.
Note: Only currently marketed plans are listed below. If you enrolled in a plan not listed here or prior to 12/1/24, please review the Member Portal for your plan's full details.
$15 Copay Annual Eye Exam
$25 Copay Prescription Glasses with Frames
$0 Copay Prescription Contact Lenses
Largest National Provider Network of Eye Doctors (VSP)
Benefits available at ANY Eye Doctor, in or out-of-network
Available States:
AL, AR, AZ, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WI, WV & WY
Association Membership is NOT required.
1st Effective Dates only available
Plan cost varies by state
GET A QUOTE*Requires a 1-year insurance contract. Must agree to pay annual plan premium in twelve (12) monthly installments.
Coverage includes eye exam, and either prescription glasses or contact lenses, once every 12 months, for each Covered Pesron. Discounts provided on additional services and eyewear at VSP® providers.
The VSP Network includes thousands of private practice doctors and over 700 Visionworks® retail locations nationwide.
In-Network1
Out-of-Network Coverage2
Based on applicable laws, benefits may vary by location. Discounts on products and additional savings are not available in the staes of Washington and Vermont.
Some brands of spectacle frames and lenses may be unavailable for purchase as Plan Benefits, or may be subject to additional limitations. Covered Persons may obtain details regarding frame brand availability from their VSP Preferred Provider or by calling VSP's Customer Care Division at 800-877-7195. Copayments and other-out-of-pocket expenses applly to the eye examination and/or to the purchase of most materials. Services or materials of a cosmetic nature are not covered under this policy. Medical services and supplies are not covered under this policy.
1Coverage terms and conditions are set forth in the policy under which the individual consumer is insured, and such terms and conditions vary according to the laws of the state in which the policy was issued.
2If you choose to see an out-of-network provider, you will have higher out-of-pocket expenses and full payment may be required at the time of your visit. For reimbursement of covered expenses submit your itemized claim to Vision Service Plan, Attention: Claim Services, PO Box 385018, Birmingham, AL 35238-5018. Out-of-network coverage is not available in the states of Massachusetts and Washington, and coverage varies in the state of Maryland.
Content on this page provides a brief description of the important features of yoru policy. It is not all-inclusive. Please refer to your policy for the actual terms and conditions that apply. In the event there are discrepancies between the policy and the information on this page, the terms and condition of the policy will govern.
VSP and WellVision Exam are registered trademarks, and VSP Individual Vision Plans is a trademark of Vision Service Plan.
Notice: VSP Vision is an annual enrollment product with a monthly payment option. By enrolling in VSP Vision at the monthly rate, you acknowledge and agree that twelve (12) monthly installment payments are necessary to satisfy the annual enrollment period.
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: If you cacncel your enrollment in VSP Vision during this period and request a refund, you will be responsible for payment in full for any services received or materials purchased through your utilization of the plan's benefits prior to cancellation.
This is a brief description of VSP Vision. Please review the document(s) below for full details, including terms, conditions, limitation, and exclusions. Certificates of insurance are the official state-specific explanations of insurance benefits, which supercede any benefit descriptions provided here or elsewhere, so be sure to read the Certificate(s) carefully.
You do not have to be a member in either UBA or HAA Association in order to enroll in this individual vision plan.
$10 Copay Annual Eye Exam
$25 Copay Prescription Glasses with Frames
$60 Copay Prescription Contact Lenses
Largest National Provider Network of Eye Doctors (VSP)
Benefits available at ANY Eye Doctor, In- or Out-of-network
Available States:
AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, KY, LA, MI, MS, MO, NE, NV, NM, ND, OH, OK, PA, SC, TN, TX, VT, VA, WV, WI & WY
Membership in UBA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
Current rate(s) for insurance coverage included in the UBA Vision and underwritten by Renaissance Life & Health Insurance Company of America:
Coverage includes eye exam, and either prescription glasses or contact lenses, once every 12 months, for each Covered Person. Discounts provided on additional services and eyewear at VSP providers.
The VSP Network is the largest network of independent eye doctors in the nation, with over 50,000 network doctors.
In Network
Out-of-Network
Benefits for contact lenses are provided in lieu of eyeglasses lens and frames benefit. When prescription eyeglasses OR contact lenses are obtained, the Covered Person shall not be eligible for any lenses or frames again for 12 months.
The maximum benefit for all Low Vision sevices (severe visual problems not correctable with regular lenses) is $1,000 every two (2) years.
Coverage could vary or may not be available in all states.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Renaissance Life & Health Insurance Company of America.
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or product that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with UBA Vision. Please review the document(s) below for full details, including terms, conditions, limitation, and exclusions. Certificates of insurance are the official state-specific explanations of insurance benefits, which supercede any benefit descriptions provided here or elsewhere, so be sure to read the Certificate(s) carefully.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental UBA Vision plan. Membership dues are $10 per month for the entire family and are separate from the UBA Vision plan costs. View for Membership details.
$25 Visit Copay
100% coverage for Preventive Services
80% coverage for Basic Services
50% coverage for Major Services after 12-month Waiting Period
Good at ANY Dentist (In or Out of Network)
$3,000 Annual Maximum per Person
Available States:
AL, AR, AZ, DE, DC, FL, GA, IA, IN, KS, KY, LA, MO, MS, MT, ND, NE, OK, TN, TX & WV
Membership in UBA is required
1st Effective Dates only available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
Current rate(s) for insurance coverage included in the FCL Dental 3000 and underwritten by First Continental Life & Accident Insurance Company:
Dental Insurance Coverage up to $3,000 in paid benefits per person per year, with 100% coverage for preventive services, 80% coverage for basic services, and 50% coverage for major services1.
Coverage is good at any dentist in or out of the DenteMax PPO network. Because every DenteMax PPO dentist is contracted to a set fee schedule, you're likely to be charged less (and pay less out of pocket) at an in-network provider than an out-of-network provider2.
Maximum Allowable Charge Plan (MAC)
This product is a MAC plan which is a type of PPO plan where you receive greater benefits and less out of pocket expense by going to an in-network provider. Services completed by an out-of-network provider will most likely incur charges beyond what the contracted provider would charge for the same procedure.
1Coverage for Class III Major services is subjectd to an initial 12-month waiting period.
2The maximum payable benefit for any covered service is based on the Maximum Allowable Charge for that service, as determined by statistical samples and the geographic area in which the service is rendered. Unlike in-network providers, out-of-network providers are not contracted to set a fee schedule and therefore could exceed the Maximum Allowable Charge for any services performed.
Coverage could vary or may not be available in all states.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by First Continental Life & Accident Insurance Company.
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or product that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with FCL Dental 3000. Please review the document(s) below for full details, including terms, conditions, limitation, and exclusions. Certificates of insurance are the official state-specific explanations of insurance benefits, which supercede any benefit descriptions provided here or elsewhere, so be sure to read the Certificate(s) carefully.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental FCL Dental 3000 plan. Membership dues are $10 per month for the entire family and are separate from the FCL Dental 3000 plan costs. View for Membership details.
$9 Visit Copay
Coverage for Preventive, Basic and Major Services
Pay $0 for many Preventive services, including Exams, X-Rays, and Cleanings
No Deductibles
No Waiting Periods, even for Major Services
No Annual Maximum
Available States:
TX
Membership in UBA is required
1st Effective Dates only available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
Current rate(s) for insurance coverage included in the FCL OraQuest Dental HMO and underwritten by First Continental Life & Accident Insurance Company:
The FCL OraQuest Dental HMO plan provides coverage for preventive, basic, and major dental services, with no deductibles, waiting periods, or annual limits.
Unlike with a Dental PPO plan, coverage with a Dental HMO plan isn't coinsurance based (where the plan pays a certain percentage of the dentist's charges and you pay the remainder). Instead, the Dental HMO plan has a Schedule of Benefits which lists numerous dental services and procedures, and specifies the exact amount that you pay for each -- which is often considerably less thatn what you'd pay for the same service with Dental PPO coinsurance.
| CPT Code | Service/Procedure | Amount You Pay |
|---|---|---|
| 00120 | Exam - Periodic Oral Evaluation | $0 |
| 00150 | Exam - Comprehensive Oral Evaluation | $0 |
| 00210 | X-Rays - Intraoral Complete Series (including bitewings) | $0 |
| 01110 | Prophylaxis - Adult Cleaning | $0 |
| 02330 | Filling - Resin - one surface, anterior | $15 |
| 07140 | Extraction - Erupted Tooth or Exposed Roots (elevation / forceps removal) | $34 |
| 03310 | Root Canal - Anterior (excluding final restoration) | $97 |
| 02720 | Crown - resin with high noble metal | $295 |
| 05110 | Complete Denture - maxillary (upper) | $375 |
This is only a small sample from the Schedule of Benefits.
VIEW FULL SCHEDULE OF BENEFITSThe Schedule of Benefits sets forth the procedures which OraQuest is solely responsible for, which OraQuest and Member are each partly responsible for, and those which the Member is wholly responsible for. In no case is Organization responsible for any Member Co-payments or Supplemental Payment under the terms of the agreement. For any Supplemental Payments due Provider which are the responsibility of OraQuest, then OraQuest shall pay the Provider. Member shall pay any Member Co-Payments and charges for any excluded procdures, and shall make payment directly to the Provider rendering such services at the time service is rendered. The Schedule of Benefits may be modified by OraQuest upon 30-days notice to Organization.
1Coverage for Class III Major services is subjectd to an initial 12-month waiting period.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by First Continental Life & Accident Insurance Company.
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or product that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with FCL OraQuest Dental HMO. Please review the document(s) below for full details, including terms, conditions, limitation, and exclusions. Certificates of insurance are the official state-specific explanations of insurance benefits, which supercede any benefit descriptions provided here or elsewhere, so be sure to read the Certificate(s) carefully.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental FCL OraQuest Dental HMO plan. Membership dues are $10 per month for the entire family and are separate from the FCL OraQuest Dental HMO plan costs. View for Membership details.
| Certificate of Insurance |
|---|
| View FCL OraQuest DHMO Certificate |
$50 Annual Deductible
100% coverage for Preventive services, Deductible waived
70% coverage for Basic services
50% coverage for Major services after 12-month waiting period
Good at ANY Dentist (In- or Out-of-Network)
$1,000 Annual Maximum per Person (can increase to $2,000 with Maximum Carryover feature)
Available States:
AL, AR, AZ, CA, CT, DC, DE, FL, GA, ID, IL, IN, IA, KY, LA, MI, MS, MO, ND, NE, NM, NV, OH, OK, PA, SC, TN, TX, VA, WV, WI & WY
Membership in UBA is required
1st and 15th Effective Dates available
| Area | Ind | Ind+1 | Family | States |
|---|---|---|---|---|
| 1 | $41.00 | $81.00 | $147.00 | AL, AR, LA, MS & WV |
| 2 | $46.00 | $91.00 | $164.00 | GA, MO, NE, SC, TX & WY |
| 3 | $52.00 | $102.00 | $184.00 | IL, KY, OK & TN |
| 4 | $58.00 | $113.00 | $205.00 | AZ, DC, FL, IN, IA, NV, NJ, NM, ND, OH, PA, VA, & WI |
| 5 | $64.00 | $125.00 | $226.00 | DE & MI |
| 6 | $71.00 | $140.00 | $252.00 | CT & ID |
| 7 | $80.00 | $157.00 | $284.00 | CA |
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Coverage includes eye exam, and either prescription glasses or contact lenses, once every 12 months, for each Covered Person. Discounts provided on additional services and eyewear at VSP providers.
The VSP Network is the largest network of independent eye doctors in the nation, with over 50,000 network doctors.
In Network
Out-of-Network
Benefits for contact lenses are provided in lieu of eyeglasses lens and frames benefit. When prescription eyeglasses OR contact lenses are obtained, the Covered Person shall not be eligible for any lenses or frames again for 12 months.
The maximum benefit for all Low Vision sevices (severe visual problems not correctable with regular lenses) is $1,000 every two (2) years.
Coverage could vary or may not be available in all states.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Renaissance Life & Health Insurance Company of America.
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or product that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with UBA Dental. Please review the document(s) below for full details, including terms, conditions, limitation, and exclusions. Certificates of insurance are the official state-specific explanations of insurance benefits, which supercede any benefit descriptions provided here or elsewhere, so be sure to read the Certificate(s) carefully.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental UBA Dental plan. Membership dues are $10 per month for the entire family and are separate from the UBA Dental plan costs. View for Membership details.
Save 15% to 50%* per visit in most instances, on dental services including cleanings, X-rays, fillings, root canals and crowns
Where available, also save on specialty care services including orthodontics and peridontics
Use at any participating dentist in the nationwide network
No annual limits
Available States:
All 50 U.S. states Except: AL, CT, IA, MA, RI, UT, VT & WA and this benefit is not available to residents of Vermont
Membership in UBA or HAA is NOT required
1st and 15th Effective Dates available
Membership in UBA or HAA is NOT required to enroll in SML Dental Discount plan. All plan costs above are charged monthly until cancelled.
Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The licensed Discount Plan Organization Coverdell & Company, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.
Members can save 15% to 50%1 per visit, in most instances at any of the many available dental practice locations nationwide. Services include cleanings, X-rays, fillings, root canals and crowns.
Members can also ave on specialty care services including orthodontics and periodontics where available.
| Service/Procedure | Avg. Price | You Pay1 | Savings | % Saved |
|---|---|---|---|---|
| Dental Cleaning (Adult) | $130 | $69 | $61 | 47% |
| Dental Cleaning (Child) | $96 | $53 | $43 | 45% |
| Complete X-rays | $174 | $89 | $85 | 49% |
| Root Canal (Anterior) | $906 | $548 | $358 | 40% |
| Complete Upper Denture | $1422 | $1025 | $397 | 28% |
THIS IS NOT INSURANCE
1Actual costs and savings may vary by provider, service and geographic location. We use the average of negotiated fees from participating providers to determine the average costs, as shown on the chart. The select regional average cost represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City, as displayed in the cost of care tool as of September 2021.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representative, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not avialable to residents of Vermont.
Full terms, conditions, and disclosures
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
This is a brief description of the benefits included with SML Dental Discount Subscription plan. Please review the document(s) below for full details, including terms, conditions, limitation, and exclusions.
You do not have to be a member in either UBA or HAA in order to enroll in the supplemental non-insurance discount plan.
We strive to provide you with a variety of options for inquiring and enrolling in our plans. Whether you are interested in comprehensive health insurance, supplemental insurance, dental and vision plans, association membership, or non-insurance service and discount plans, you can choose the method that best suits your needs. Here are the options available to you:
Our team of licensed and federally-certified health insurance agents is available to provide you with personalized assistance. They can help you navigate the different plans available, answer your questions, and offer advice tailored to your specific situation.
Use the form below to request a call, and and agent will contact you as soon as possible to assist you with your enrollment process.
If you already know which plan you want, you can directly enroll in it online without needing to consult an agent.
Below is the link you can use for a simple and straightforward enrollment process. If you need any assistance, please do not hesitate to contact us at 866-438-4274 where our agents are ready to help you.