GET REGULAR DENTAL CLEANINGS, EYE EXAMS & MORE AVAILABLE WITH OPTIONAL UBA DENTAL & VISION MEMBERSHIP PRODUCTS.

DENTAL & VISION MEMBERSHIP PRODUCTS

PROTECT YOUR ORAL HEALTH

Learn more about Optional
Dental Insurance issued to
the United Business Association.


ABOUT DENTAL & VISION MEMBERSHIP PRODUCTS.

As a member of United Business Association, you have access to enhance your membership and add a group dental or vision insurance membership products to your membership. UBA's Dental & Vision Membership Product offerings include Group Dental Insurance underwritten by Renaissance Life & Health Insurance Company of America (Renaissance) or Blanket Group Dental Insurance underwritten by First Continental Life & Accident Insurance Company (FCL). Start protecting your oral and vision health today with any one of these Dental or Vision Products offered to members of the United Business Association. To view more about the Dental & Vision Membership Products: UBA Dental underwritten by Renaissance, UBA Vision underwritten by Renaissance, FCL Dental 3000 underwritten by FCL, FCL Oraquest Dental HMO undewritten by FCL, and the non-insurance dental discount product SML Dental Discount powered by Aetna Dental Access® Network. (Select the name or scroll below.)



Plan details below are for plans purchased on or after 02-10-22. If you purchased a plan listed below prior to 02-10-22, please log in to your member portal for your membership details as the plan details listed below may be different from the plan you purchased.


UBA Dental Plan


UBA DENTAL

BRIGHTER SMILES.

Get regular cleanings
& protect your oral health.

Get regular dental check-ups and protection for some dental costs like diagnostic, preventive, basic, or major dental services with the UBA Dental Plan underwritten by Renaissance Life & Health Insurance Company of America (subject to certificate of insurance terms, conditions, limitations & exclusions). This optional supplemental UBA Gap Membership Product helps to enhance and add more value to your membership in the United Business Association.




State Availability
Underwritten by
Renaissance Life & Health Insurance Company of America
AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, IA, KY, LA, MI, MS, MO, ND, NE, NJ, NM, NV, OH, OK, PA, SC, TN, TX, VA, WV, WI & WY



This Optional Membership Product includes Group Insurance Only.
  • Membership Product Cost*

    Membership Product cost varies by state & area. Get a Quote.

    *The membership product cost for UBA Dental Plan does not include the $10 monthly UBA Membership dues. You must be a member of the United Business Association in order to purchase a plan that includes group insurance.

  • Brief Group Insurance Description
    UBA Dental Plan

    UBA DENTAL

    Get regular cleanings
    & protect your oral health.




    Group Dental Insurance


    Group Dental Insurance

    $1,000 annual maximum
    (Plus maximum carryover*)

    $50 individual and $150 family annual deductible

    *Maximum carryover: If at least one covered service is paid in a benefit year and the total benefit paid does not exceed $500 in that benefit year, $250 will be added to the next benefit year carryover maximum. This amount will accumulate from one benefit year to the next, but will not exceed $1,000.




    DIAGNOSTIC & PREVENTIVE

    100% Coverage - Diagnostic & preventive services

    In-network or out-of-network coverage (as defined by the policy).




    BASIC SERVICES

    70% Coverage - Basic dental services

    In-network or out-of-network coverage (as defined by the policy).




    MAJOR DENTAL SERVICES

    50% Coverage - Major dental services

    In-network or out-of-network coverage (as defined by the policy).

    There is a 12-month waiting period for all major dental services.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP DENTAL INSURANCE UNDERWRITTEN BY:
    Renaissance Life & Health Insurance Company of America

    Renaissance Dental


    BILLING*, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    *Billing is administered through the Third Party Administrator
    of H A Partners, Inc. or HealthyAmerica (depending on state).




    THIS IS DENTAL INSURANCE AND NOT MAJOR MEDICAL INSURANCE.


    Read the group insurance certificates carefully. This is a brief description of Association Group Dental Insurance and is not an insurance contract, nor part of the insurance policy and is subject to the terms, conditions, limitations, and exclusions of the policy. Coverage may vary or may not be available in all states. You'll find complete coverage details in the policy certificate. Insurance benefits are underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Life & Health Insurance Company of New York, Binghamton, NY. Both companies ("Renaissance") can be reached at Po Box 1596, Indianapolis, IN, 46206. There is no ownership affiliation between Renaissance and UBA Dental & Vision. For complete coverage details, please refer to the certificate of insurance. Membership Product cost for the UBA Dental Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Renaissance Life & Health Insurance Company of America and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.









  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms
  • Dental Providers
  • Get a Quote & Apply
UBA Vision Plan


UBA VISION

SEE MORE CLEARLY.

Get regular eye exams
& take care of your eyes.

UBA Vision, underwritten by Renaissance Life & Health Insurance Company of America offers valuable coverage to help with some vision costs like regular vision check-ups, frames, lenses and contacts (subject to certificate of insurance terms, conditions, limitations & exclusions). This optional supplemental UBA Gap Membership Product helps to enhance and add more value to your membership in the United Business Association.




State Availability
Underwritten by
Renaissance Life & Health Insurance Company of America
AL, AR, AZ, CA, DC, DE, FL, GA, ID, IN, KY, LA, MI, MS, MO, ND,
NE, NJ, NM, NV, OH, OK, PA, SC, TN, TX, VA, VT, WV, WI & WY



This Optional Membership Product includes Group Insurance Only.
  • Membership Product Cost*

    $14 - Ind   |   $27 - Ind+1   |   $43 - Family

    *The membership product cost for the UBA Vision Plan does not include the $10 monthly UBA Membership dues. You must be a member of the United Business Association in order to purchase a plan that includes group insurance.

  • Brief Group Insurance Description
    UBA Vision Plan

    UBA VISION

    Get regular eye exams
    & take care of your eyes.




    Group Vision Insurance


    Group Vision Insurance

    Well Vision Exam: $10 copay every 12 months

    In-network coverage




    Prescription glasses: $25 copay every 12 months

    (see frames & lenses below) - in-network coverage




    Frames: $130 allowance

    In-network coverage

    (for a wide selection of frames: 20% savings on amount over your allowance)

    Lenses: single vision, lined bifocal, lined trifocal & lenticular lenses. Polycarbonate lenses for dependent children.




    Lens enhancements - progressive lenses - every 12 months

    In-network coverage

    • Standard: $55
    • Premium: $95-$105
    • Custom: $150-$175




    Contacts (instead of glasses)

    In-network coverage

    • Copay for contacts (applies to evaluation & fitting): up to $60 every 12 months
    • Allowance for contacts (copay does not apply): $130 allowance
    • Contact lens exam (evaluation & fitting): Medically necessary covered in full after $25 copay.

    When contact lenses are obtained, the covered person shall not be eligible for lenses and frames again in the next 12 months.




    Out-of-network Coverage:
    Exams up to $45 & frames up to $70

    Additional out-of-network coverage:

    • Single vision lenses: up to $30
    • Lined bifocal lenses: up to $50
    • Lined trifocal lenses: up to $65
    • Progressive lenses: up to $50
    • Lenticular lenses: up to $100
    • Contact lenses: up to $105 - (medically necessary contact lenses: up to $210)

    Coverage with a retail chain affiliate may be different. Visit VSP.com for details if you plan to see a provider other than a VSP doctor.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP VISION INSURANCE UNDERWRITTEN BY:
    Renaissance Life & Health Insurance Company of America

    Renaissance Vision


    BILLING*, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    *Billing is administered through the Third Party Administrator
    of H A Partners, Inc. or HealthyAmerica (depending on state).




    THIS IS VISION INSURANCE AND NOT MAJOR MEDICAL INSURANCE.


    Read the group insurance certificates carefully. This is a brief description of Association Group Vision Insurance and is not an insurance contract, nor part of the insurance policy and is subject to the terms, conditions, limitations, and exclusions of the policy. Coverage may vary or may not be available in all states. You'll find complete coverage details in the policy certificate. Insurance benefits are underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Life & Health Insurance Company of New York, Binghamton, NY. Both companies ("Renaissance") can be reached at Po Box 1596, Indianapolis, IN, 46206. There is no ownership affiliation between Renaissance and UBA Dental & Vision. For complete coverage details, please refer to the certificate of insurance. Membership Product cost for the UBA Vision Plan does not include the $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Renaissance Life & Health Insurance Company of America and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.









  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms



    Note: If using a VSP provider, claim form is not needed.


  • Vision Providers
  • Get a Quote & Apply
FCL Dental 3000 underwritten by First Continental Life Insurance Company (FCL)


FCL DENTAL 3000

SMILING BOOSTS
YOUR MOOD

Protect your oral health
and smile more.

Smile, your UBA Membership with FCL Dental 3000 Plan offers members Blanket Group Dental Insurance for preventive, basic and major dental services (subject to policy & certificate of insurance terms, conditions, limitations & exclusions). Coverage, underwritten by First Continental Life & Accident Insurance Company, is 100% guaranteed for members of the United Business Association. This optional supplemental UBA Gap Membership Product helps to enhance and add more value to your membership in the United Business Association.




State Availability
Underwritten by
First Continental Life & Accident Insurance Company
AR, AZ, DC, DE, FL, IN, KS, LA, MS, MT, ND, TN, TX & UT


This Optional Membership Product includes
Blanket Group Insurance Only.
  • Membership Product Cost*

    $50 - Ind   |   $100 - Ind+Sp
    $110 - Ind+Child(ren)   |    $150 - Family

    *The membership product cost for the FCL Dental 3000 Plan does not include the $10 monthly UBA Membership dues. You must be a member of the United Business Association in order to purchase a plan that includes group insurance.

  • Brief Membership Description
    FCL Dental 3000

    FCL DENTAL 3000

    Protect your oral health
    and smile more.




    Group Dental Insurance


    Blanket Group Dental Insurance

    $3,000 Annual Benefit

    $25 Copay per person per visit

    *Payment for services are based upon allowable charges in the area in which services are rendered. Services provided at a non-contracted provider will most likely incur charges beyond what the contracted provider would charge for the same procedure.




    DIAGNOSTIC & PREVENTIVE (CLASS I)

    100% - Diagnostic & preventive services

    In-network or out-of-network coverage (as defined by the policy).




    BASIC DENTAL SERVICES (CLASS II)

    80% - Basic dental services

    In-network or out-of-network coverage (as defined by the policy).




    MAJOR DENTAL SERVICES (CLASS III)

    50% - Major dental services

    In-network or out-of-network coverage (as defined by the policy).

    There is a 12-month waiting period for all major dental services. Percentage of Covered Benefits in the first year is 0% for Class III Major Services.






    Why Use In-Network Providers

    DenteMax is a national, dental Preferred Provider Organization (PPO) network. DenteMax's group of quality dentists have agreed to accept a set, discounted fee schedule when they see DenteMax patients. This means you can visit any of our PPO dentists and save on your dental costs.

    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 beyond what the contracted provider would charge for the same procedure.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    BLANKET GROUP DENTAL INSURANCE
    UNDERWRITTEN BY:
    First Continental Life & Accident Insurance Company

    FCL Dental Logo


    BILLING*, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    *Billing is administered through the Third Party Administrator
    of H A Partners, Inc. or HealthyAmerica (depending on state).




    THIS IS BLANKET GROUP DENTAL INSURANCE ONLY.


    The following monthly insurance rates apply to coverage underwritten by First Continental Life & Accident Insurance Company1. Your overall total association membership dues for the optional supplemental FCL Dental 3000 Plan also include these monthly insurance rates:

    1Blanket Group Dental Insurance: $23.76 (Individual), $47.72 (Ind+Sp), $53.80 (Ind+Child(ren)), $77.22 (Family).

    First Continental Life & Accident Insurance Company (FCL) and DenteMax do not offer and are not affiliated with the additional non-insurance services and discounts programs offered in connection with membership in the United Business Association (UBA).

    Read the brochure and the blanket group insurance certificates carefully. This is a brief description of a blanket group association insurance product and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Blanket Group Dental Insurance Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You'll find complete coverage details in the Certificate of Insurance. Blanket Group Dental Insurance is underwritten by First Continental Life & Accident Insurance Company. This coverage does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not miniumum essential benefits as set forth under the Patient Protection and Affordable Care Act. For complete coverage details, please refer to the certificate of insurance. Membership Product cost for the FCL Dental 3000 Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, First Continental Life & Accident Insurance Company (FCL) and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.









  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms


    Simply present the FCL Dental 3000 Member ID card at the time of service. The Provider will send the claim direct to the carrier's claims department (payor) for re-pricing and benefit payments.


  • Dental Providers


    Select DenteMax Plus Network

    DenteMax Plus Logo

  • Get a Quote & Apply
FCL OraQuest Dental HMO underwritten by First Continental Life Insurance Company (FCL)


FCL ORAQUEST DHMO

GET YOUR SMILE
SELFIE READY

Protect your oral health
and show off your smile.

The FCL OraQuest Dental HMO Plan, underwritten by First Continental Life & Accident Insurance Company offers members Group Dental Insurance for various dental services (subject to policy & certificate of insurance terms, conditions, limitations & exclusions). Coverage is 100% guaranteed for members of the United Business Association. This optional supplemental UBA Gap Membership Product helps to enhance and add more value to your membership in the United Business Association.





State Availability
Underwritten by
First Continental Life & Accident Insurance Company
TX


This Optional Membership Product includes
Group Insurance Only.
  • Product Cost*

    $30 - Ind   |   $50 - Ind+Sp
    $60 - Ind+Child(ren)   |    $70 - Family

    *The membership product cost for the FCL OraQuest Dental HMO Plan does not include the $10 monthly UBA Membership dues. You must be a member of the United Business Association in order to purchase a plan that includes group insurance.

  • Brief Membership Description
    FCL OraQuest Dental HMO

    FCL ORAQUEST DHMO

    Protect your oral health
    and show off your smile.




    Group Dental Insurance


    Group Dental HMO Insurance

    $9 copay per person per vist for all services

    All procedures not included in this CPT Listing on the schedule of benefits, the Co-Payment is 75% of the dentist's usual and customary charge.


    This plan provides prepaid dental benefits through a network of participating primary and specialty care dentists. Specialty care dentists’ services are covered without prior approval for all Specialists participating in the OraQuest provider network and no referral is necessary. OraQuest Dental Plans are a single service Dental Maintenance Organization licensed by the State of Texas.

    • No Claim Forms
    • No Deductible
    • No Waiting Periods
    • No Pre-Authorization required for Specialist Visit
    • Members must select a Primary Provider



    SCHEDULE OF BENEFITS

    The 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-payment 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 procedures, 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.






    DENTIST ASSIGNMENT

    Upon enrollment, the Member would have selected a network Family Dentist that will be assigned to the Member. In the event the Member is dissatisfied with the designated Family Dentist you can request to transfer to another Family Dentist. Members may not change their Family Dentist more than four (4) times in a 12 month period.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP DENTAL INSURANCE
    UNDERWRITTEN BY:
    First Continental Life & Accident Insurance Company

    FCL Dental Logo


    BILLING*, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    *Billing is administered through the Third Party Administrator
    of H A Partners, Inc. or HealthyAmerica (depending on state).




    THIS IS GROUP DENTAL INSURANCE ONLY.


    The following monthly insurance rates apply to coverage underwritten by First Continental Life & Accident Insurance Company1. Your overall total association membership dues for the optional supplemental FCL OraQuest Dental HMO Plan also include these monthly insurance rates:

    1Group Dental Insurance: $11.75 (Individual), $21.00 (Ind+Sp), $23.75 (Ind+Child(ren)), $34.00 (Family).

    First Continental Life & Accident Insurance Company (FCL) and OraQuest do not offer and are not affiliated with the additional non-insurance services and discounts programs offered in connection with membership in the United Business Association (UBA).

    Read the brochure and the blanket group insurance certificates carefully. This is a brief description of a group association insurance product and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Blanket Group Dental Insurance Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You'll find complete coverage details in the Certificate of Insurance. Blanket Group Dental Insurance is underwritten by First Continental Life & Accident Insurance Company. This coverage does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not miniumum essential benefits as set forth under the Patient Protection and Affordable Care Act. For complete coverage details, please refer to the certificate of insurance. Membership Product cost for the FCL OraQuest Dental HMO Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, First Continental Life & Accident Insurance Company (FCL) and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.









  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms

    There is no need for a claim form with this product. The 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.

    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 procedures, and shall make payment directly to the Provider rendering such services at the time service is rendered. Refusal to make such payments shall subject the Member to the termination provisions of Section 3.5c in the Certificate of Insurance.


  • Dental Providers


    Select OraQuest Network

    OraQuest Logo

  • Get a Quote & Apply
SML Dental Discounts, powered by Aetna Dental Access, a Benefit Boost Subscription Product


SML DENTAL DISCOUNT

SAVING ON DENTAL.

Saving on services
will surely make you smile.

powered by
Aetna Dental Access Network

The SML Dental Discount program, powered by Aetna Dental Access® Network, offers access to savings on dental with discounts on dental services like dental cleanings, x-rays, root canals, crowns and more.




State Availability
All 50 U.S. States Except: AK, CT, IA, MA, RI, UT, VT & WA
and this benefit is not available to residents of Vermont.


This Monthly Subscription Membership includes
Non-Insurance Services Only
  • Membership Product Cost

    $10 for the entire family

    *In order for the entire family to be included in membership, they must be listed on the membership enrollment application.

  • Brief Membership Description
    SML Dental Discounts powered by Aetna Dental Access Network, a Benefit Boost Subscription Product

    BENEFIT BOOST SUBSCRIPTION

    SML Dental Discount powered by
    Aetna Dental Access® Network

    Saving on services will surely make you smile.




    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 Coverdeall & 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.




    Aetna Dental Access Discounts


    Dental Discounts powered by
    Aetna Dental Access® Network

    Members can save 15% to 50%* per visit, in most instances, on services at any of the many available dental practice locations nationwide. Dental services include: cleanings, x-rays, fillings, root canals, and crowns. Members can also save on specialty care such as orthodontics and periodontics where available.

    *Actual costs and savings vary by provider, service and geographical area.

    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 of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.



    Program not Available in AK, CT, IA, MA, RI, UT, VT & WA and this benefit is not available to residents of Vermont.











    THIS IS NOT INSURANCE. IF YOU PURCHASE THIS PRODUCT, YOU ARE SIGNING UP FOR A MONTLY MEMBERSHIP SUBSCRIPTION.


    Read the brochure carefully. This is a brief description of the of a dental discount program and is not an insurance contract, and is subject to the terms, conditions, limitations, and exclusions. Coverage may vary or may not be available in all states. Coverdell and Company, Inc., a discount plan organization "DPO", administers the SML Dental Discount Program. Product features and availability may vary by state. While we believe you will be pleased with your overall association membership, we cannot, however, warrant or guarantee the performance of any discount or service. Services and product cost are subject to change. This Benefit Boost Subscription Product is included in some of the optional UBA Supplemental Gap Products in our Most Popular products category.



  • Non-Insurance Benefit Boost Subscription Product Brochure
  • View Participating Providers

    Dental Provider Results



    Enter a valid zip code, then press the search button. The search engine will return a sampling of the participating providers nearest the zip code entered.


    Zip Code:

  • Get a Quote & Apply


United Business Association, Renaissance Life & Health Insurance Company of America (Renaissance), First Continental Life & Accident Insurance Company (FCL), Aetna Dental Access®, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.





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