John Alden Life Insurance Company, a legal entity of Fortis Health, announces wider availability of its recently introduced dental insurance product -- John Alden Dental -- designed especially for small businesses owners and their employees. Introduced in September to 20 states, John Alden Dental is now available in an additional 15 states. Policy effective dates will vary.
Agents can now obtain quotes for John Alden Dental in the following additional states: Arizona, Connecticut, Delaware, Florida, Georgia, Idaho, Massachusetts, Mississippi, Montana, Nevada, New Jersey, New Mexico, Texas, Utah and Virginia.
John Alden Dental is available to any small employer with at least three covered employees and can be purchased as part of a complete employee benefit program or as a stand-alone product. "Many employers demand the convenience of getting their medical and dental insurance through the same carrier," says Kerri Mansberg, vice president, John Alden Product Management. "We're pleased to offer this comprehensive product as a complement to our medical coverage."
Over the coming months, the product will be rolled out in every state except Alaska, New York, Oregon and Hawaii.
The new dental product will offer employers the choice of PPO Plans or Indemnity Plans. Employers with five or more covered employees can opt for a combination of both with Employee Choice, which gives employees the ability to choose either a PPO or Indemnity Plan.
Both PPO Plans and Indemnity Plans offer flexibility, a wide range of coverage levels and optional benefits. For example, both plans include 100-percent coverage of preventive care. Small businesses with at least 10 covered employees can also select optional orthodontia benefits for dependent children.
In addition, both plans offer the choice of high and low options. The high option provides a $2,000 maximum benefit per year and pays a higher percentage of basic or major services after deductible. The low option carries a maximum benefit of $1,000 per year and pays a slightly lower percentage of basic or major services after deductible.
"The low option is for those who still want a quality plan but want to keep costs down by assuming a slightly higher deductible and lower maximum benefit per year," explains Mansberg.
