Home Insurance Plans Frequently Asked Questions Forms About Us Prospective Agents Contact Us

FAMILY & INDIVIDUAL DENTAL, HEARING AND VISION INSURANCE PLAN - GOLD

Provident American Insurance Company provides flexible, high quality insurance products that will protect our policyholders when they need it the most.  Our products have been designed to offer protection for the health and well-being of families and individuals in every walk of life.
 

Covered Dental Services

Class I

*Diagnostic - Routine exam once in 6 month period
*Preventative - Teeth cleaning once in 6 month period
*Radiography - Bitewing x-rays once in 6 month period for dependent children under age 18 and once in a 12 month period for dependent children age 18 and older, and full mouth x-rays or panographic x-rays when required by the Dentist but not more than once each 36 months

Class II

*Restorative - Amalgam, fillings
*Oral Surgery - Extractions
*Other - Space maintainers

Class III

*Endodontics - Pulpal therapy and root canals
*Periodontics - Gum diseases
*Coverage for insured Persons age 65 and older is limited to a  maximum of $600 per calendar year
*Prosthetics - Crowns, Bridges and Dentures

Class IV

*Orthodontia - Only Dependent children up to age 19


Benefits Per Calendar Year

  Per Insured
Plan Maximum

$1200.00

Benefits for Dental, Vision and Hearing will be combined and can not exceed the calendar year plan maximum.  
Dental Maximum $1200.00
Orthodontia Maximum
* Lifetime maximum $1,000
$350.00
Vision Maximum $150.00
Hearing Maximum $300.00

 Deductible Per Calendar Year

  Per Insured
Dental (Class I, Class II and Class III) $75.00
Vision $75.00
Hearing $75.00
Orthodontia Dental Services $100.00*
*Lifetime  

Waiting Period

 

Months

Diagnostic and Preventive Dental Services (Class I) 0
Basic Dental Services (Class II) 6
Major Dental Services (Class III) 12
Orthodontia Dental Services (Class IV) 12
Vision 0
Hearing 0

 

Dental Coinsurance Amount

 

Years

1 2 3

Diagnostic and Preventive

80% 90% 100%

Basic Dental Services

60% 70% 80%

Major Dental Services

0% 40% 50%

Orthodontia Dental Services

0% 40% 50%
 

Vision Coinsurance Amount

COVERED SERVICES

Years

1 2 3
 Exams/refractions 80% 80% 80%
 Glasses 80% 80% 80%
 Contacts 80% 80% 80%
 

Hearing Coinsurance Amount

 COVERED SERVICES

Years

1 2 3
 Exams 80% 80% 80%
 Hearing Aids 80% 80% 80%

       Get a Quote • Now!

Now you can apply online. This product is available in the following states: Louisiana, Oklahoma, Arizona and Texas


  • Choose your own dental, vision and hearing provider

  • Issued to age 75

  • No waiting period for vision coverage

  • No waiting period for hearing coverage

  • No waiting period for class I

  • (preventive) dental coverage

  • Orthodontia services included

 
Home Insurance Plans Frequently Asked Questions Forms About Us Prospective Agents Contact Us

Not all products are available in all states where we are licensed.  Some variations may occur between the same products in different states due to state laws and requirements.  All questions regarding policy terms should be directed to a licensed Provident American agent or to our Home Office at 1-800-933-9456.  

All information, material, images, and documents presented by the Provident American Insurance Company on this website are intellectual property of the Provident American Insurance Company and it's parent company.  Any Use of this material without expressed written approval is in direct violation of US and Texas State Copyright laws and is therefore prohibited.  To get further information on this Internet Policy, please read Our Internet Policy Document, email us at support@providentamerican.com or call us at toll free 1-800-933-9456.  Thank you and Enjoy our site.

Copyright ©  2003 Provident American Insurance Company