Plan Details. The information on this page describes ManhattanLife Dental, Vision and Hearing Select, policy form series AK7034, including applicable state variations. This limited-benefit insurance product is underwritten by ManhattanLife Insurance and Annuity Company. Issue ages, benefits, policy options and availability vary by state.

Available policy-year maximum benefit options include $1,000, $1,500, $3,000 and $5,000, depending on state and plan selection. Deductible options are $0 or $100 per person. The deductible does not apply to covered preventive dental services.

Dental Benefits. In-network preventive services are covered at 100% of the contracted rate. Basic services are covered at 65% during the first policy year and 80% thereafter. Major services are covered at 20% during the first policy year and 50% thereafter. Out-of-network benefits are calculated using applicable usual, customary and reasonable charges, subject to policy provisions.

Certain services have additional limitations. Orthodontia benefits are available in-network after a 12-month waiting period, subject to a $1,500 lifetime maximum. Implant benefits are also subject to a $1,500 lifetime maximum.

Use of the Careington dental network is optional. Policyholders may choose their own dentist, although out-of-network expenses may be higher.

Vision and Hearing Benefits. Vision and hearing coverage may be added through optional riders for an additional premium. Covered vision services generally pay 60% of eligible charges in the first policy year, 70% in the second year and 80% thereafter, subject to benefit and frequency limits.

Eligible eyeglass frames or contact lenses may have benefits of up to $200 per year, subject to applicable waiting periods and policy terms.

Hearing coverage provides benefits of up to $750 per ear, per year, for eligible hearing-related expenses. A 12-month waiting period applies to certain hearing aid

benefits and repairs.

Waiting Periods and Coverage. Most covered dental services under DVH Select have no waiting period, except orthodontia. Certain vision and hearing benefits have separate waiting periods. First-year benefit percentages, annual limits, exclusions and any applicable pre-existing condition limitations still apply.

Guaranteed issue does not mean every service or expense is covered immediately. Coverage begins only when the issuing insurance company has completed its requirements and the policy becomes effective.

Premiums and Applications. Premiums depend on the applicant's age, state, selected benefits, deductible and coverage options. ManhattanLife determines application eligibility, final premium amounts, policy issuance and effective dates. Guaranteed renewable coverage is subject to policy provisions, including the insurance company's right to change premiums.

Important Medicare Information. Dental, vision and hearing insurance is limited-benefit supplemental coverage. It is not major medical insurance, Medicare, Medicare Supplement insurance or Medicaid, and it does not replace any of these programs.

Original Medicare generally does not cover most routine dental care, routine eye exams for prescription glasses or hearing aids, although certain exceptions apply.

Some Medicare Advantage plans may provide additional dental, vision or hearing benefits.

Agency Disclosure. Shore Legacy Insurance, LLC is an independent insurance agency, not an insurance company. Insurance products are issued by the insurance companies we represent.

Products, benefits, eligibility and availability vary by insurance company and state. Not every product is available in every state. Coverage is subject to the terms, conditions, limitations, exclusions and applicable requirements of the issuing insurance company's policy.

Shore Legacy Insurance, LLC
Florida Agency License #L136196

Not connected with or endorsed by the U.S. government or the federal Medicare program.