REALTORS® Dental Insurance

• Preventive Care at Full Coverage, Zero Cost. All preventive services including exams, cleanings, fluoride treatments, and annual x-rays are covered at 100 percent in-network with no deductible. Members receive these benefits twice per year.
• Annual Maximum of $1,500, Plus Rollover Incentive. Plans provide $1,500 in annual benefits, with a potential additional $1,000 carryover when members submit at least one claim and keep annual benefits under $500.
• Dual Provider Access Model. Members can visit any dentist nationwide or choose from 370,000+ in-network providers and receive enhanced benefits when using the network.
• Plan Flexibility Across Three Tiers. Preventive care layers into basic coverage at 80 percent and major services at 50 percent, accommodating routine maintenance through complex procedures while maintaining provider choice throughout.

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• Higher Annual Maximum with Enhanced Rollover. Plans provide $2,700 in annual benefits with potential $3,900 maximum when members carry over $400 yearly by submitting at least one claim and keeping annual benefits under $750.
• 100% Coverage for Basic and Major Services, Including Implants. Fillings, extractions, implants, root canals, crowns, and bridges are covered at 100 percent of maximum covered expenses when using in-network providers.
• Orthodontia Benefit for Dependent Children. Lifetime-maximum orthodontia coverage is available for dependent children under age 17 enrolled in the plan, providing comprehensive dental alignment treatment.
• PPO Network Savings Plus Full Preventive Coverage. Members save an average 18 percent on covered charges through 131,000+ network providers while receiving 100 percent coverage for preventive services including exams, cleanings, and x-rays with no deductible.

• 100% Coverage for Basic and Major Services. Fillings, extractions, root canals, crowns, bridges, and denture services are covered at 100 percent of maximum covered expenses when using in-network providers.
• Orthodontia Benefit for Dependent Children. Lifetime-maximum orthodontia coverage is available for dependent children under age 17 enrolled in the plan, providing comprehensive dental alignment treatment.
• Full Preventive Care at No Cost. Exams, cleanings, fluoride treatments, and annual x-rays are covered at 100 percent in-network with no deductible, available twice per year for all members.
• Dental Rewards Rollover Plus Network Savings. Members can carry over $250 in annual benefits when submitting at least one claim and keeping annual benefits under $500, while saving an average 18 percent on covered charges through 131,000+ network providers.

• 100% Coverage for Essential Restorative Services. Fillings, extractions, and surgical procedures are covered at 100 percent of maximum covered expenses when using in-network providers, addressing routine dental needs and emergency care.
• Orthodontia Benefit for Dependent Children. Lifetime-maximum orthodontia coverage is available for dependent children under age 17 enrolled in the plan, providing comprehensive dental alignment treatment.
• Full Preventive Care at No Cost. Exams, cleanings, fluoride treatments, and annual x-rays are covered at 100 percent in-network with no deductible, available twice per year for all members.
• Dental Rewards Rollover and Nationwide Network Access. Members can carry over $250 in annual benefits when submitting at least one claim and keeping annual benefits under $500, plus access 131,000+ network providers and professional teeth whitening coverage.