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The Gerber Independence
Voluntary Dental Plan
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Benefits
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Voluntary Group
Dental Insurance
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Groups as Few as One
Life
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No Participation
Requirements
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Clients can Choose
any Dentist
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Optional 24-month
rate guarantee
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Takeover benefits for
groups of 5 or more
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Choose any
Dentist! |
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100% Usual, Reasonable, and
Customary Benefits
No Deductible |
TYPE I – PREVENTIVE SERVICES
Periodic Oral Exams, Prophylaxis,
Fluoride Treatment, Sealants, Space
Maintainers and Harmful Habit
Appliances |
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80% Usual, Reasonable, and
Customary Benefits
6 Month Waiting Period |
TYPE II – BASIC SERVICES
X-Rays, Fillings, Simple Extractions
and Palliative Treatment |
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50% Usual, Reasonable, and
Customary Benefits
12 Month Waiting Period |
TYPE IIIA – MAJOR SERVICES
Endodontics, Periodontics
(Treatment of Gum Disease) including
Periodontal Cleanings, Oral Surgery
(other than simple extractions),
Recementation of Crowns and Bridges
and Denture Repairs |
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50% Usual, Reasonable, and
Customary Benefits
24 Month Waiting Period |
TYPE IIIB - MAJOR PROSTHETIC
SERVICES
Inlays, Onlays, Crowns (including
stainless steel and resin crowns),
Dentures and Bridges |
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$50.00
Per Year
Per
Family Member |
Annual deductible applies only to:
- TYPE II – BASIC SERVICES
- TYPE IIIA – MAJOR
SERVICES
- TYPE IIIB – MAJOR
PROSTHETIC SERVICES
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$1,000 |
POLICY YEAR MAXIMUM –
Per person per policy year. Applies
to all types of services.
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Terms: Sole
proprietorships, partnerships, or
corporations with at least one (1)
full-time employee, including
active, full-time owners or
partners, are eligible. |
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Employees: All active,
full-time employees working at least
20 hours per week, including active,
full-time owners or partners are
eligible. Those employed on the date
the firm becomes insured are
eligible on that date. New employees
hired after that date are eligible
after a waiting period selected by
the employer. |
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Dependents: Eligible
dependents include the insured
employee’s spouse and unmarried
children prior to their 19th
birthday who do not work for the
firm. In addition, unmarried
children from their 19th birthday to
the day before their 24th birthday
are eligible if they are primarily
dependent upon the employee for more
than 50% of their support and
maintenance and are listed as
dependents on the employee’s Federal
tax return. |
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Usual, Reasonable, and Customary
Benefits: Benefits are
based on the Usual and Customary
fee, as determined by Gerber Life,
in the area in which the Dentist
practices. |
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Brochure and Application
Select your
state from the dropdown list below.
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Rates
Rates apply to
all States
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View
Rates (Effective July 1, 2008)
(PDF: 25k)
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Gerber Agent
Appointment/Application
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Download Adobe Acrobat Reader
View Gerber Agent Appointment/Application
(PDF: 753k)
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