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OnlineNavigator support makes it easy to get friendly, affordable, personal, professional and independent help with your insurance questions and enrollment. OnlineNavigator personal enrollment support is available for any health insurance exchange product or health reform issue. Register at onlinenavigator.org.
1801 Watermark Drive, Suite 100
No Deductible Option (Choose between a $0 or $100 Policy Year Deductible)
Simplified Issue & Guaranteed Renewable for Life
Use Any Dentist - No Networks
Use any Ophthalmologist or Optometrist
Use any physician or audiologist for hearing benefits
Issued up to age 84!
UCT understands that many businesses, employees, and self-employed and retired individuals in the U.S. are experiencing the effects of rising healthcare costs and reduced benefits. Dental, vision and hearing care have a major impact on a person's overall health. That's why UTC developed Dental, Vision and Hearing Expense Insurance. This plan is all about choice - the ability for individuals ages 18-84 to choose your deductibles and your benefits. You may choose between a $0 or $100 policy year deductible, and you may choose a policy year maximum benefit of $750, $1,000, $1,500 or $2,000. And you have the freedom to visit the doctor of your choice. In addition to covering dental, vision and hearing expenses, the plan offers a household discount, it's guaranteed renewable for life, and you have a 30-day right to examine and return the policy.Increasing Benefit Levels
One of the most attractive features of UCT coverage is that benefits increase over time for long term members. After the Policy Year Deductible is satisfied, pays the following percentages of actual charges, not to exceed reasonable and customary charges for covered expenses up to the Policy Year Maximum Benefit:
Dental: Dental services, performed by a licensed dentist**, including one annual examination and cleaning, x-rays, fillings, prophylaxis, bridges, crowns, dentures and outpatient dental surgery prescribed as Medically Necessary. After the policy has been in force three months, pays the cost of one dental cleaning up to a maximum benefit of $75 each Policy Year. This benefit is not subject to the Policy Year Deductible; however, it is included in the Policy Year Maximum Benefit. Vision: Visits to a physician for a basic eye examination or eye refraction, including the cost of eyeglasses or contact lenses prescribed by the physician, up to a maximum benefit of $150 in any one Policy Year. Hearing: Hearing examinations performed by a physician or audiologist**,including the cost of the hearing aid and any necessary repairs.
Other Important Benefits
30-Day Right To Examine and Return Policy: If, for any reason you are not satisfied, the policy may be returned to us or to the agent within 30 days after receiving it. If returned, the policy will be void from its beginning and any premium paid will be refunded.
Guaranteed Renewable for Life: UCT doesn't charge a policy fee and, although some limitations do apply, your acceptance for this insurance is guaranteed. This Policy is renewable as long as you live, provided you continue to pay premiums when due.
Household Discount: If two or more people, living in the same household at the same address, apply for coverage at the same time, then each may receive a 10% discount.
Exclusions: UCT will not pay for:
1. any benefits during the first six (6) months following the Policy Effective Date for root canals, existing eyeglasses or contact lens (including the renewal or changing of prescriptions).
2. benefits during the first Policy Year for bridges, crowns, full dentures or partials, any work relating to replacement of natural teeth which were missing on the Policy Effective Date, "full mouth" extractions, fluoride treatments or existing hearing aids.
The doctor/dentist or treatment provider must be someone who is not a member of your immediate family.Enrollment Support - Live personal enrollment support is available from the enrollment site weekdays from 8 AM to 6 PM Eastern time.
This is a generic description only. Benefits vary by state. Refer to your policy for a complete description of limitations and exclusions.
Benefits vary by state
1 Benefits are not subject to assignment.
|OTHER IMPORTANT BENEFITS|
30-Day Right To Examine and Return
If, for any reason you are not satisfied, the policy may be returned to us or to the agent within 30 days after receiving it. If returned, the policy will be void from its beginning and any premium paid will be refunded.
Guaranteed Renewable for Life:
UCT doesn't charge a policy fee and, although some limitations do apply, your acceptance for this insurance is guaranteed. This Policy is renewable as long as you live, provided you continue to pay premiums when due.
If two or more people, living in the same household at the same address, apply for coverage at the same time, then each may receive a 10% discount.
Use any dentist and get the same benefits; no requirement to change dentists because your dentist is not in a network.
Senior coverage is available to age 84.
Now offers a child coverage rider (beginning in 2013).
Waiting periods make individual dental insurance less attractive to the majority of individuals who shop for coverage immediately before major dental services are required. UCT will not pay for any benefits during the first six (6) months following the Policy Effective Date for root canals, existing eyeglasses or contact lens (including the renewal or changing of prescriptions) or benefits during the first Policy Year for bridges, crowns, full dentures or partials, any work relating to replacement of natural teeth which were missing on the Policy Effective Date, "full mouth" extractions, fluoride treatments or existing hearing aids.
(For those who need immediate major dental care, a Careington discount dental plans provide a better alternative in the short term).
All available forms can be found by following the quote and enrollment link above.
December 14, 2012 - The dental/vision plan is revised for 2013 to allow for child coverage rider. Adult coverage is offered to age 84.
October 4, 2012 - UCT announces the launch of "UCT Gives Back" – a contest that will award one deserving school with $10,000. If you know a school with a program to serve individuals with intellectual disabilities, or a university that trains special education teachers, see this link: http://www.facebook.com/UCTinAction/app_205243299607279 and tell them how they can enter their school to win $10,000. Nominations will be accepted through November 30, 2012. For UCT Gives Back official rules, visit http://www.uct.org/uct-gives-back-official-rules/ and remember – one deserving school will receive $10,000, so spread the word.
This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.