The baby boomer generation will be the first in which the majority will maintain their natural teeth over their entire lifetime, due in large part to the benefits of water fluoridation, fluoride toothpastes, and regular dental care.¹ Despite this good news and many improvements in dental preventive care and treatments, there are statistics and trends that still cause concern. For example:

1. For every adult 19 years or older without medical insurance, there are three without dental insurance.²
2. The average cost per person per dental visit is $480. For kids ages 6-17, the average cost is $607 per visit.³
3. More than 30 percent of people age 65 and older no longer have their natural teeth.⁴
4. More than 164 million hours of work each year are lost to employees’ oral health problems or dental visits. ⁵

Although these statistics are alarming, routine preventive and ongoing dental care can not only mitigate the financial impact of dental care and procedures, but also help to prevent and/or lessen the severity of many of the dental treatments and procedures that become necessary when routine dental care is not maintained. Dental insurance offers many benefits to help offset the financial risk of dental care and encourages routine and ongoing dental care, which results in improved dental health.

What do you want to do next?

• Get a no-obligation online quote.
• Learn about the NFCA dental plan.
• Learn how to select a dental plan. 
• Learn more about dental insurance plus dental health and hygiene. 
• Speak to a dental plan representative.

¹ http://www.cdc.gov/OralHealth/factsheets/adult.htm. Viewed 3/19/07.
²http://www.cdc.gov/OralHealth/factsheets/adult.htm. Viewed 3/19/07.
³www.seniorjournal.com/NEWS/Money/4-05-07dentalcare.htm. Viewed 5/25/04.
⁴http://www.cdc.gov/OralHealth/factsheets/adult-older.htm. Viewed 5/25/04.
⁵ http://www.cdc.gov/OralHealth/factsheets/adult.htm.

The Marsh NFCA Benefits Program Dental Plan provides your members the stability of an insured dental program with the flexibility of using the dentist of their choice.

Features of this dental plan include:

Coverage for more than 155 different dental services

• The Dental Plan provides more than 155 different dental services, including diagnostic, preventive, and specialty dental treatments.
• It provides comprehensive coverage and offers much more than a dental "discount" program.
• Member and covered dependents are entitled to receive up to $1,000 each in payments in any calendar year ($1,200 under the Enhanced Option) for dental procedures performed.
• There are no waiting periods for preventive or diagnostic services.

Freedom to Choose a Dentist

• The Dental Plan allows your members the freedom to choose their own dentist without the limitations of a provider network.

Guaranteed Acceptance

• Your members - along with their spouse and dependent children - are guaranteed acceptance.
• By qualifying for group rates, they receive coverage that may be more affordable than what they could receive on their own.

Easy, convenient enrollment

• Enrollment is easy and hassle-free.

Click here to view a Schedule of Benefits

The NFCA Plan Benefit Summary

The NFCA Dental Plan Rates

Please note, the following rates are subject to change.

Exclusions and Limitations

• Charges for services which are not recommended, approved, and certified as necessary and reasonable by a dentist.
• Charges for services rendered by a member of the person's immediate family or household.
• Charges for services which are not approved by the Council of Dental Therapeutics of the American Dental Association.
• Charges for services rendered by a medical department, clinic or similar facility provided by the person's:
  • Employer;
  • Labor union;
  • Mutual benefit association; or
  • Other similar group.
• Charges for services for which benefits will be paid under workers' compensation or similar law.
• Charges rendered for cosmetic purposes, including charges for
  • Porcelain or other veneer crowns;
  • Pontics; and
  • Porcelain or other veneer facings on crowns or pontics to replace molars.
• Charges for prosthetic appliances, fixed or removable, which are related to periodontal treatment.
• Charges for inlays or crowns installed as multiple abutments.
• Charges to replace a bridge or appliance within {10} years of its installation, even if lost or stolen.
• Charges for prosthetic services rendered to replace teeth missing before the person becomes insured under this benefit section. Such charges will be covered if such services are rendered after the person stays insured under this benefit section for 60 continuous months.
• Charges for dental appointments which are not kept.
• Charges incurred after a person's insurance ends. However, dental benefits may be provided as described in the BENEFITS AFTER INSURANCE ENDS provision described in the policy.
• Charges for orthodontic services-unless elected by the association.
• Charges for services which are part of a course of treatment that begun before a person became insured under this benefit section.
• Treatment given after a person's insurance ends, regardless of when the injury or sickness occurred. However, dental care benefits may be provided in the BENEFITS AFTER INSURANCE ENDS provision of a given benefit section.
• Treatment not essential for the necessary care or treatment of the injury or sickness involved. Treatment that would be given free of charge if the person was not insured. However, dental care benefits will be paid for covered charges incurred by a state for medical assistance to a covered person under Title XIX of the Social Security Act of 1965
• Results from war or an act of war.
• Results from intentionally self-inflicted injury.
• Maximum of two (2) initial or periodic oral examinations and two (2) prophylaxis per year subject to the following:
  • one full series of x-ray films or panoramic film taken in conjunction with an initial or periodic oral examination available once in a 48 month period;
  • a partial series of x-ray films or individual x-ray films taken in conjunction with an initial or periodic oral examination available once per year when provided by a general practitioner dentist, as defined;
  • topical application of fluoride to age 19 at 12 month intervals.

*This rating is accurate as of the issue date of this proposal. For the latest ratings, please visit the A.M. Best website at www.ambest.com.

• Who is eligible?
• When/how does coverage terminate?
• How does the plan work?
• What are the deductibles?
• What Are the Responsibilities Of Each Party?

NFCA members and their eligible dependents may apply for coverage. Eligible dependents include a lawful spouse and dependent children under age 21 (age 25 if full time student).

Dental coverage is terminated only if an individual ceases to be a member of the association; fails to pay the appropriate premium when due; or the policy is discontinued. Coverage for dependents will end when they are no longer eligible as a member's dependent.

When an association member enrolls in the NFCA Dental Plan, he or she will receive a certificate of coverage listing the dental procedures covered under the plan. This schedule of benefits identifies the maximum allowable benefit paid to the insured person when a procedure is performed.

Coverage becomes effective on the first day of the month following receipt of the member's completed enrollment form and initial premium.

The member and covered dependents are entitled to receive up to $1,000 each in payments in any calendar year ($1,200 under the Enhanced Option) for dental procedures performed.

• Insurance coverage is provided for diagnostic, preventive and specialty treatments.
• The member selects their own dentist.
• Benefits are paid directly to the insured or may be assigned to the dentist.

The calendar year deductible is $50 per insured person, up to the $150 maximum per family. (Note: There is no deductible for preventive procedures under the enhanced option.) The deductible is applied against insurance covered expenses, not billed charges.

Responsibilities of the United States Life Insurance Company:

• File and obtain approval of Insurance Policy with the necessary State Insurance Departments
• Print policies or Certificates of Insurance
• Act as the underwriter of the Insurance Plan
• Pay claims

Responsibilities of Marsh:

• Design the Insurance Plan
• Develop advertising materials
• Oversee promotional campaigns
• Process all applications
• Issue all policies
• Provide staff to answer all correspondence
• Bill and collect premiums
• Maintain liaison between the US Life Insurance Company and the NFCA
• Provide an Annual Report on the Insurance Program to the NFCA

Responsibilities of the NFCA:

• Approve all promotional materials
• Supply a current mailing list to be used in sending the promotional materials
• Provide use of logo

Marsh will perform all administrative details of your program. All expenses for promotion and administration are the responsibility of Marsh, and the underwriting insurance company. Marsh's compensation will be 24.5 percent of premium. A royalty fee of 2 percent of renewal premiums will be paid to the NFCA for the use of your identification and logo in the sponsorship of the insurance program.

We're here to help! Please contact us in whatever manner is most convenient for you.