Dental 360

You receive the following benefits: $70 Annual Deductible for all services and the annual maximum is $2,500. Benefits are paid based on the PPO contracted fee. There is no waiting period. Choose any dentist nationwide or select from one of nearly 65,000 provider access locations.

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Benefits are payable as follows:

Incentive Coinsurance: Incentive Coinsurance: All members will begin at the lowest coinsurance level. Members will advance to year two coinsurance level only if a claim is received in the first Benefit Period Members will advance to year three coinsurance level only if a claim is received in the second Benefit Period.  If a claim is not received, members return to the lowest level of coinsurance. The first Benefit Period begins on the effective date of the membership and ends after 12 months have elapsed. Subsequent Benefit Periods begin on the member’s anniversary date.

Dental Rewards - Rewards insureds that care for their teeth and use only a portion of their annual maximum benefit in a year. With its increasing maximum feature, each insured member and dependent earns additional money toward their next year’s annual maximum.

To get the maximum carryover for the next year, you must meet the following requirements:

1) Visit your Dentist during your 1st Benefit Period.
2) Submit a claim within 180 days of service.
3) Total benefits paid for current benefit year visits must be less than $500.

• If you meet all 3 benefit requirements you will have an additional $250 available in Annual Maximum for the next benefit year.
  • In future years, if you have benefits paid of less than $500, additional amounts of $250 will be added to the carryover. However, the most you can accumulate in the maximum carryover is $1,000 per benefit period.
  • Your annual maximum will be $3,500 in four years if you continue to visit the dentist once each year

These benefits are provided to USA+ Members by a group Dental Expense policy issued to USA/HC by Ameritas Life Insurance Corp. Certain terms and conditions apply and benefits are subject to the Exclusions and Limitations. A complete description is contained in the Certificate of Coverage.

Ameritas Group, a division of Ameritas Life Insurance Corp. a UNIFI Company, offers group dental and eye care products nationwide. Ameritas Group’s dental and eye care products (9000 Ed. 01-05) are issued by Ameritas Life.

You receive the following benefits and more: Free eye exam once per year per family member from participating providers; 20% discount on lenses, frames, and other hardware; Up to a 25% discount on laser surgery; There are 32,000 VSP providers nationwide; There’s a VSP provider within ten miles of the homes of 90% of the United States population; Find a VSP provider near you at www.ameritas.com

* These benefits are provided to USA+ Members by a group Dental Expense policy issued to USA/HC by Ameritas Life Insurance Corp. Certain terms and conditions apply and benefits are subject to the Exclusions and Limitations. A complete description is contained in the Certificate of Coverage. Ameritas Group, a division of Ameritas Life Insurance Corp. a UNIFI Company, offers group dental and eye care products nationwide. Ameritas Group’s dental and eye care products (9000 Ed. 01-05) are issued by Ameritas Life.

When our members travel abroad, they will have peace of mind knowing that should a dental or vision need arise, help is just a phone call away. Through AXA Assistance, Ameritas now offers its dental and vision plan members access to dental or vision provider referrals when traveling outside the U.S. AXA Assistance USA is part of a global organization with offices in more than 30 countries, where AXA Assistance professionals answer calls 24 hours a day. Immediately after a call comes in, an assistance coordinator assesses the situation, provides credible provider referrals and can even assist with making the appointment. Within 48 hours following the appointment, the coordinator calls the member to find out if additional assistance is needed. If all is well, the case is closed. Then, the plan member may submit a claim to Ameritas for reimbursement consideration based on applicable plan benefits.

Providers referred by AXA Assistance USA, Inc. (AXA) are not members of the Ameritas Life Insurance Corp. (Ameritas) PPO Network. Referral to an AXA provider is not a guarantee of benefits, and all policy provisions and limitations would apply.

Note: These provider referral assistance services are independently offered and administered by AXA. Ameritas and its affiliates and subsidiaries do not participate in the selection of these dental and vision service providers and do not oversee or monitor AXA’s performance of these services. Additionally, Ameritas does not warrant or guarantee or make any representation as to the quality of the services provided by AXA or by any dental or vision services provider referred by AXA.

HOW YOU BENEFIT

This benefit entitles you to:

• No initial consultation fee.
• One 30-minute in-office visit per month.
• Preparation of a simple Will or review of an existing Last Will and Testament at no charge.  (one per membership)

Many individuals lose their jobs due to company relocations, downsizing, or as the result of natural disasters. For most individuals, loss of employment also means a monetary loss. The Benefits Protector program helps cushion the impact of economic downturns that occur. Should you lose your job through no fault of your own, we will be there for you. Your membership dues will be waived and your membership benefits will continue for three (3) months.*

* Certain terms and conditions apply.

USA+ is committed to the promotion of equal access to health care for all Americans. In order to ensure equal access to health care, it is important that there are sufficient medical providers available to serve the public. For that reason, USA+ developed a scholarship program. This program will provide scholarships to outstanding high school seniors that show promise of continued academic performance. This program is only available to dependent children and grandchildren of USA+ members and will allow deserving students to attain their educational goals.

Award

Accident Dental Expense

This benefit provides up to $2,000, less a $100 deductible per Injury, for Dental Expenses resulting from an Injury due to an Accident. Each Covered Person is covered for Injury which is incurred on a 24-hour per day basis.

Accidental Death and Dismemberment

Pays the beneficiary up to $1,000 for the member’s death or loss of certain body parts, or loss of sight, speech or hearing, in a covered accident.

These accident insurance benefits are issued on Form Series GP-1400, are underwritten by Guarantee Trust Life Insurance Company, an IL domiciled life insurance company with main offices located at 1275 Milwaukee Ave, Glenview, IL 60025. Licensed in all states except NY. This product, and its features are subject to state availability and may vary by state. Certain exclusions and limitations may apply, for cost and complete details of coverage, please contact us or your agent. These insurance benefits are not available in AK, CO, FL, KS, MD,  MN, MO, MT, NH, NM,  NY, RI, UT, and WA.

Guarantee Trust Life Insurance Company (GTL) provides the Accident Medical Expense Benefits coverage and the Accidental Death and Dismemberment, Loss of Sight, Speech and Hearing Benefit coverage. GTL does not provide nor is it affiliated with any of the other programs provided as a part of the membership in USA+.
The association membership fee you will be charged includes the following insurance rates, which are paid to GTL: Member Only/ $.55 Member + 1/ $1.11 Member + Family/$ 1.66

EXCLUSIONS

The Policy does not provide benefits for:

• Treament, services or supplies which:
• Are not specifically listed as Covered Charges in the Policy.
• Are received from persons employed or retained by any Family Member, unless otherwise specified; or
• Are received without charge or legal obligation to pay;
• Are determined to be Experimental/Investigational in nature;
• Are not prescribed by a Doctor as necessary to treat an Injury;
• Are not Medically Necessary;
• Injury by acts of war, whether declared or not.
• Injury received while traveling or flying by air, except as a fare-paying passenger and not as a pilot or crew member, on a regularly scheduled commercial airline.
• Injury covered by Worker’s Compensation, Employer Liability law or Occupational Disease Act or Law.
• Dental treatment, except as specifically stated.
• Injury sustained while committing or attempting to commit a felony.
• Suicide or attempted suicide while sane or insane.
• Intentionally self-inflicted Injury.
• Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state or jurisdiction in which the Injury occurs.
• Loss resulting from being under the influence of any drugs or narcotic unless administered on the advice of a Doctor.
• Injury which occurs while a Covered Person is on active duty service in any armed forces. Reserve or National Guard active duty for training is not excluded unless it extends beyond 31 days.
• Injury sustained flying in an ultra-light, hang gliding, parachuting or bungee-cord jumping, by flight in a space craft or any craft designed for navigation above or beyond the earth’s atmosphere.
• Injury sustained while driving or riding on vehicles for off-road use including but not limited to all-terrain vehicles (ATV’s).
• Injury sustained where a Covered Person is the operator and does not possess a current and valid motor vehicle operator’s license, except in a Driver’s Education Program.
• Treatment in any Veteran’s Administration or federal Hospital, except if there is a legal obligation to pay.
• Cosmetic surgery, except for reconstructive surgery on an injured part of the body.
• Covered Charges incurred outside of the United States or its possessions.
• Competing in motor sports races or competitions;
• Competing in water sports races or competitions;
• Testing cars/trucks on any racetrack or speedway;
• Handling, storing or transporting explosives;
• Scaling up cliffs or mountain walls;
• Spelunking (exploring caves);
• Handling or working with dangerous animals.
• Injury sustained while participating in a rodeo.
• Re-injury or complications of an Injury caused by or contributed to by a condition that existed before the Accident.
• Injury to teeth which is caused from biting, chewing or grinding teeth.
• Injury to teeth with gross decay or advanced periodontal disease;
• Orthodontic therapy to correct a condition that existed prior to the Accident.
• Injury to teeth not firmly attached to the maxilla and/or mandible immediately prior to the  time of the Accident;
• Dental treatment and services performed or supplies used in conjunction with but not due to the covered Accident.