SMILE for no enrollment fee.

Enter the coupon code SMILE at checkout. Limited time only. *

Individual

10.40
monthly
$109.82 annual fee
no enrollment fee

Individual +1

16.74
monthly
$185.86 annual fee
no enrollment fee

Family

25.68
monthly
$293.15 annual fee
no enrollment fee

Individuals. Plus ones. Families. There is an Assurant Dental Plan for everyone. Our monthly rates are affordable, our out-of-pocket costs aren’t bad either. Plus we have lots of extra benefits such as teeth whitening and bonding. Pick a dentist and sign up today.

Individual prepaid dental plan provided by Union Security Insurance Company.
This dental plan does not constitute insurance.

* Coupon code expires 12/19/13.

Plan Details

Secure Choice

The Secure Choice plan provides dental benefits with attractive prepayment fees. To receive the benefits of the Secure Choice plan you will need to select a Plan Dentist for you and your family members from the list of Plan Dentists. You may choose a different dentist for each family member.

Features of the Secure Choice plan:

Prepayment fee options

Annual Prepayment Fees

INDIVIDUAL
$109.82
INDIVIDUAL & ONE DEPENDENT
$185.86
FAMILY
$293.15

or

Automatic Monthly Bank Draft

Accounts are drafted on the 15th of each month prior to the month of benefits. A monthly administration charge is included in the fees below.

INDIVIDUAL
$10.40
INDIVIDUAL & ONE DEPENDENT
$16.74
FAMILY
$25.68

$35.00 Enrollment Fee

What are copayments?

Copayments are reduced fees that you pay directly to the dentist for some dental treatments. A partial list of some frequently used dental treatments is included in this site under Sample copayments. This list shows you the potential savings with Assurant Employee Benefits versus what you would pay without this Plan.

Cosmetic dentistry

Assurant Employee Benefits understands the importance of your appearance. That’s why we have included cosmetic services, such as bleaching and bonding procedures, in your plan benefits.

Orthodontic benefits

The Secure Choice Plan includes reduced fees on Orthodontic procedures for children and adults. Plan Orthodontists provide reduced fees of 25% off his/her normal retail charge. Orthodontic services are available only in areas where Assurant Employee Benefits has Plan Orthodontist(s) who provide those services. Orthodontic treatment begun prior to your plan effective date is not eligible for this benefit.

Specialist benefits

Should the services of a specialist (oral surgeon, endodontist, orthodontist, periodontist, or pedodontist) be necessary, you may seek treatment from any Plan Specialist listed in our printed or online directory. If an oral surgeon, orthodontist, periodontist or pedodontist provides treatment you will receive 25% off that specialist’s normal retail charges. For treatment by an endodontist you will receive 15% off that specialist’s normal retail charges. Specialist services are available only in areas where Assurant Employee Benefits has Plan Specialist(s). Please note that payment for a service performed by a Non-Plan Specialist is your responsibility.

Who is eligible?

You, your spouse and dependent children as defined by state law.

Limitations and exclusions

  1. Any services not specifically described in the Copayment Schedule (including but not limited to any hospital or outpatient care facility cost associated with any dental service).
  2. Any dental service initiated (a) before the effective date of Member’s enrollment or (b) after Member’s enrollment ends.
  3. Services provided by Non-Plan Providers unless for Emergency Services for temporary pain relief (with limited benefits) as specifically provided in the EMERGENCY SERVICES Article of the Individual Dental Service Agreement.
  4. Replacement of bridgework, dentures or other fixed or removable appliances unless (a) at least five years have elapsed since such appliance was provided as a Plan Benefit, or (b) during that five year period, appliance becomes unusable and cannot be made usable due to Member’s illness or an accident involving damage to the appliance while it is in use.
  5. Replacement of dentures or other removable appliances due to (a) damage while not in use or (b) loss or theft.
  6. Oral reconstruction using fixed bridgework or other fixed appliances if the overall treatment plan to achieve complete oral reconstruction involves the replacement of six or more teeth (whether those teeth are missing before treatment begins or are extracted as part of the overall treatment plan).
  7. Implants or any related implant appliances, or surgery for the insertion of implants or any related implant appliances, whether fixed or removable.
  8. Surgical removal of implants or implant appliances, or any surgical or non-surgical services to adjust, repair, replace, or treat any problem related to an existing implant or implant appliance, whether fixed or removable.
  9. Restorations or splints used to increase vertical dimension, restore occlusion, or replace or stabilize tooth structure lost by attrition.
  10. Orthodontic treatment involving therapy for myofunctional problems, TMJ (temporomandibular joint) dysfunctions, micrognathia, macroglossia, cleft palate or other growth and developmental abnormalities.
  11. Orthodontic treatment associated with orthognathic surgery, whether the treatment precedes or follows the surgery.
  12. Extractions of third molars (wisdom teeth) that are not symptomatic, whether or not the extractions follow the completion of orthodontic treatment. Examples of symptomatic conditions include decay, odontogenic cysts, chronic pericoronitis and infection.
  13. Treatment of malignancies, neoplasms or cysts, including but not limited to biopsies.

FAQ

How do I sign up for this affordable dental plan?

  1. Step 1: Select a general dentist on the Find a Dentist section of this site. What’s really great is that everyone in your family can have their own plan dentist.
  2. Step 2: Complete the online Enrollment form. Be sure to include the Dental Facility Number of each dentist selected for you and each dependent in the space provided. You may submit the enrollment form online, or you may print and mail the enrollment form.
  3. Step 3: Choose your payment option to fit your budget. You may submit the enrollment form online or you may print and mail the enrollment form.

If you choose the annual prepayment fee and wish to mail your enrollment form, please include the appropriate prepayment fee, the $35 enrollment fee with the completed Enrollment form, and mail to Assurant Employee Benefits. The annual prepayment fee may be paid by credit card for your convenience.

If you choose the automatic monthly bank draft and wish to mail your enrollment form, complete the Authorization Agreement included in this site under “Enrollment form,” include a voided check, the first month’s prepayment fee, the $35 enrollment fee with the completed Enrollment form, and mail to Assurant Employee Benefits.   Monthly prepayment fees will thereafter be drawn automatically from your bank account.

While we accept automatic bank drafts from checking or savings accounts, we cannot accept personal checks on a monthly basis.

How do I find participating dentists?

Click on the “Find a Dentist” section on this site and you will be taken to a Plan Dentist Directory. Enter the information to search for a dentist in your area. The dentist(s) you select must be a part of our provider network in order to enroll in this Secure Choice Plan.

Can my family have different dentists?

Yes! Each dependent on your dental plan may have his/her own primary care dentist. When using the search tool to find your dentist, keep track of the Dental Facility Number for each dentist to include this on your enrollment form.

What are copayments?

Copayments are reduced fees that you pay directly to the dentist for some dental treatments.

When will I receive a membership card?

Once your application has been processed, you will receive a membership card, the Individual Dental Service Agreement, and a complete list of copayments. Your effective date will be provided with your membership materials.

What if I need to change my dentist?

It’s okay. We understand you may want to change dentists. Simply call Customer Service at 800-443-2995 and we’ll help you make that change.

When can I see my dentist?

After your effective date, phone the dental practice you selected and tell the office that you have Assurant Employee Benefits’ prepaid dental plan.

When do I renew my dental plan?

If you select the annual prepayment method, a renewal notification and billing statement will be mailed to your home in advance of your anniversary date. If you select the monthly bank draft method for payment, no action is required to renew your dental plan.