group insurance plans

dental care, vision care, life insurance

a suite of products from agu

DENTAL PROGRAM

DENTAL BENEFITS	In-Network	Out-of-Network
DENTAL PROGRAM
(Dental benefits are provided through a stand-alone dental insurance policy underwritten by United Concordia Life and Health Insurance Company. See Dental Exclusions and Limitations section for exclusions, limitations, and other policy provisions). Click Here For Premium Rates
- Contract Year Maximum per Covered Person	$1,500	$1,500
- Contract Year Deductible per Covered Person/Family - Class I exempt	$25/$75	$25/$75
Class I Dental Plan Payment (no waiting period or deductible)
- Exams - All X-Rays - Cleanings - Fluoride Treatments - Sealants - Palliative Treatment	100%	100%
Class II Dental Plan Payment (no waiting period, deductible applies)
- Space Maintainers - Basic Restorative - Non-surgical Periodontics - Repairs of Crowns, Inlays, Onlays, Bridges and Dentures - Simple Extractions	90%	90%
Class III Dental Plan Payment (six-month waiting period, deductible applies)
- Endodontics - Surgical Periodontics - Complex Oral Surgery - General Anesthesia - Inlays, Onlays, Crowns - Prosthetics	50%	50%
Orthodontics	Not Covered	Not Covered

* Plan payment percentages are based on United Concordia's Maximum Allowable charge. Network dentists accept their contracted Maximum Allowable Charge as payment in full for covered services.

This is a brief summary of benefits under the Dental Program. Complete terms and conditions of coverage and benefits are set forth in the Master Policy issued to Student Osteopathic Medical Association. The plan is underwritten by United Concordia Life And Health Insurance Company.

Group

Currently we are not taking on-line enrollments. Please call 804-273-9797 or email lhetrick@agu.net for assistance.

Group Vision Insurance

Protect Your Vision

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Get The Best In Eyecare And Eyewear

Did you know that most health insurance policies do not automatically include vision benefits? This supplemental association group vision plan can fill that gap and provide the coverage you need at an affordable cost. You’ll enjoy the lowest possible out-of-pocket costs for vision care and enjoy great savings on eyewear.

Highlights

Choice of providers - use any licensed provider whether in or out of network
Over 71,000 vision access points in network
Group rates
Includes most national chains
Pay just a $20 copay for eye exams using a network provider
Pay just a $20 copay for most prescription eyeglasses using a network provider
Scheduled allowances paid if using an out-of-network provider
Covers glasses or contacts
Discounts for Lasik vision correction
Includes retinal screenings and diabetic eye care
Enjoy savings on the latest designer frames and sunglasses
Average annual savings of $386.68 using the plan versus paying retail
Special Bonus: Get an extra $20 to spend on featured frame brands

View Details Here

Responsive Table

Benefit	Frequency (based on service year)	Copayment	Coverage from a Network Doctor	Out-of-Network Reimbursement
VISION SERVICE COVERAGE
Eye Care Wellness - Regular exams are essential for protecting your visual wellness.
Exam	12-Months	$20.00	Covered in full	Up to $25.00 allowance
Prescription Eyewear - You may choose between glasses or contacts. emember if you choose contacts, you will not be eligible to receive glasses (lenses and frame) in the same service period.
Lenses	12-Months	$20.00*	Single Vision, lined bifocal lens, lined trifocal lenses and tints are covered in full¹	Single vision up to $30 allowance Lined bifocal up to $35 allowance Lined trifocal up to $45 allowance Tints up to $5 allowance
Frame	12-Months		Covered up to $150 allowance²	Up to $45.00 allowance
Contact Lens	12-Months	None	Covered up to $150 allowance	Up to $105.00 allowance
* One $20 copay applied to Lenses & Frames
Your allowance applies to the cost of your contact lens exam and your contact lenses. You'll receive a 15 percent savings off the cost of your contact lens exam from a VSP doctor. Your contact lens exam is performed in addition to your routine eye exam to check for eye health risks associated with improper wearing or fitting of contacts.
Value Added Discounts
Laser VisionCare - The Vision Coverage Company has contracted with many of the nation's finest laser surgery facilities and doctors, offering you a discount off PRK and LASIK surgeries, available through contracted laser centers
Contact Lenses - Valuable savings are available on annual supplies of certain brands of contacts. You can receive these member preferred prices, even if you use your coverage for glasses.
Prescription Glasses - Receive 20 percent savings when you purchase non-covered pairs of prescription glasses, including prescription sunglasses from the same in-network doctor within 12 months of your last eye exam.
	¹ Lens options, which can enhance the appearance, durability and functions of your glasses, are available to you at member preferred pricing. Ask you doctor for details.
	² If you choose a frame valued at more than your allowance, you'll save 20 percent on your out-of-pocket costs for frames.
This is a brief summary of benefits under the Vision Program. Complete terms and conditions of coverage and benefits are set forth in the Master Policy issued to Student Osteopathic Medical Association. The plan is underwritten by VSP.

Coverage is underwritten by Vision Service Plan of Illinois (VSP), rated A (Excellent) by A.M. Best, a leading independent insurance rating service. Exclusions and limitations can be viewed on the website.

This information is a brief description of the important features of this plan. It is not a contract. Full terms and conditions are set forth in the master group policy number 12216447. This group policy is subject to the laws of Illinois, the jurisdiction in which it is issued. The availability of this offer may change.

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