The Legionnaire Dental, Vision, and Hearing Benefit Plan
Overview
As good as Medicare is, Medicare does NOT pay for regular exams to monitor the health of your teeth, your eyes, and your ears – which are all extremely important to your well-being. Medicare Supplements don’t pay, either.
Because these much-needed exams are not covered, many Legionnaires simply don’t get them. And that can lead to serious problems with undetected cavities, gum disease, vision problems, and hearing loss.
Now you can get the regular dental, vision, and hearing exams you need with complete confidence. This plan, underwritten by Central States Health & Life Co. of Omaha (CSO) provides comprehensive benefits and services designed specifically to fill this critical Medicare coverage gap.
Why Dental, Vision & Hearing Coverage Matters
🦷 Dental Health
Ignoring good oral health is linked to heart disease, cancer and diabetes. Regular exams can catch problems early.
👁️ Vision Health
Vision problems often have no symptoms — annual exams can catch them early and prevent serious complications.
👂 Hearing Health
Hearing checkups can help minimize hearing loss and improve quality of life, including balance and cognitive function.
Benefits
| Benefit Levels | $1,000, $1,500, or $2,000 per year |
|---|---|
| Annual Deductible | $100* |
| Dental—Preventative | 100% in All Years |
| Waiting Period | None |
| Deductible | Not Applicable |
| Dental—Basic | 60% /70% / 80%** |
| Waiting Period | None |
| Deductible | Applicable |
| Dental—Major | 60% / 70% / 80%** |
| Waiting Period | 9 Months |
| Deductible | Applicable |
| Vision | Exam 100% | Hardware: 60, 70, 80%** |
| Annual Maximum | $200 every two years |
| Waiting Period | 9 Months, Hardware Only |
| Deductible | Applicable for Hardware Only |
| Hearing | Exam 100% up to $75 | Hardware: 60, 70, 80%** |
| Annual Maximum | $500 every two years |
| Waiting Period | 9 Months, Hardware Only |
| Deductible | Applicable for Hardware Only |
* Deductible is waived for diagnostic and preventative dental, eye, and hearing exams.
** Eligible expenses paid at 60% during policy year 1; 70% during policy year 2; and 80% during policy year 3 and thereafter.
Rates
| Monthly Premiums for: Arizona, Iowa, Illinois, Indiana, Michigan, Texas | |||
| Age Band | $1,000 Plan | $1,500 Plan | $2,000 Plan |
| 0-25 | $26.34 | $28.46 | $29.27 |
| 26-59 | $31.33 | $35.32 | $37.32 |
| 60-90 | $35.12 | $40.49 | $43.79 |
| Monthly Premiums for: North Carolina & Pennsylvania | |||
| Age Band | $1,000 Plan | $1,500 Plan | $2,000 Plan |
| 0-25 | $28.38 | $30.76 | $31.67 |
| 26-59 | $33.88 | $38.35 | $40.60 |
| 60-90 | $37.91 | $43.95 | $47.66 |
| Monthly Premiums for: Ohio | |||
| Age Band | $1,000 Plan | $1,500 Plan | $2,000 Plan |
| 0-25 | $25.73 | $27.60 | $28.29 |
| 26-59 | $30.64 | $34.25 | $36.00 |
| 60-90 | $34.35 | $39.42 | $42.30 |
Terms
PA – THIS IS A LIMITED POLICY – READ IT CAREFULLY
All references to percentages paid will be subject to Usual and Customary, as defined by the policy. Up to $200 per vision exam and up to $75 per hearing exam for every two policy years. All covered vision services are paid up to $200 per person every two policy years. All covered hearing services are paid up to $500 per person every two policy years.
- Annual Deductible: $100 per policy year
- Deductible is waived for diagnostic and preventative dental, eye and hearing exams
- The single deductible covers all three benefit types: dental, vision, and hearing
- No waiting period for preventive exams or basic dental services
- 9-month waiting period applies to major dental services and all hardware (vision frames/lenses/contacts, hearing aids)
This information is a brief description of important features of the plan. It is not a contract. Terms and conditions are set forth in the policy. Availability of this offer may change. For complete details, including features, limitations, and exclusions, see the policy of insurance. Some provisions may vary depending on your state of residence. In the event of any discrepancy between this information and the policy, the terms of the policy will apply. Complete coverage information is in the policy issued to each insured individual.
