LifeRe Insurance Company was chartered as a Texas Legal Reserve Life Insurance Company. While small in size, LifeRe has established a record of growth and stability. Since 1990,
the Company's admitted assets have grown at a compounded annual rate of approximately 24%. The Company's capital and surplus has increased at a compunded rate of approximately 35% for the same period.
The Company's success is based on it's ability to deliver specialized insurance products to the marketplace while developing and honoring ethical relationships between LifeRe, brokers, and the employers they
represent.
LifeRe Dental Plan - a dental plan that allows for immediate use of the preventive and basic type services. For major services, a 12 month waiting period is required. You have
access to a large network of dentists and can cover your dependents. An Orthodontic benefit is offered for children between the ages of 6-19.
| PROCEDURE |
BENEFIT
DESCRIPTION |
BENEFIT 1
YR |
BENEFIT 2
YR |
| Type A |
Preventive Care
Preventive and Diagnostic -
Oral exams, Prophylaxis (teeth
Cleaning), X-Rays, Fluoride Treatments, Sealant Applications, Space
Maintainers and Non-Orthodontic Corrective Appliances |
100% |
100% |
| No Deductible
No Waiting Period |
| Type B |
Basic Restorative and
Corrective
Basic Restorative and Corrective -
Basic Fillings, Bridge and Denture Adjustments, Oral Surgery and
Anesthesia, Non-Routine and Emergency Exams, and Emergency
Palliative Treatment |
80% |
80% |
| Deductible Applies*
No Waiting Period |
| Type C |
Major Restorative and
Corrective
Major Restorative and Corrective -
Endodontic Procedures, Periodontic Services, Inays and Onlays,
Crowns, Supplies for and Installation of Prosthodontics and
Anesthesia |
None |
50% |
| Deductible Applies*
12 Month Waiting Period |
|
Annual Deductible*
$50 deductible annualy
per covered individual to a maxium of $150.00 per
family |
$50 |
$50 |
|
Maximum Annual Benefit |
$1,000 |
$1,000 |
| ORTHODONTIC DENTAL BENEFITS -
Orthodontic care and services are
limited to children ages 6 or older, but less than 19 years of
age |
| Type D |
Orthodontic
Care
Comprehensive full banded treatment
and fixed or cemented appliances for tooth guidance. Correction of
malocclusion of jaws or other teeth irregularities by mechanical
means |
None |
50% |
| 12 Month Waiting Period |
| Annual
Deductible
The Annual deductible
must be satisfied under Type "B" or "C" benefits. If not, it will be
applied to Type "D" benefits. |
None |
$50 |
|
Annual Benefit |
None |
$500 |
|
Lifetime Maximum Benefit |
$1,000 |
Benefits payable for "Late Entrants" (persons requesting coverage more than 31 days after the date they are
first eligible for coverage) will be reduced during the first 12 months they are covered under policy.
LifeRe Total Vision Benefits:
- Protecting your vision is simple with an annual wellness eye examination to monitor changes in your vision and early detection of eye disease. The LifeRe Total Vision Benefit
Plan makes protecting your vision easy and affordable.
- Today's eyewear is designed to do much more than correct your vision. Like fine jewelry or the right accessory, eyewear can express a personality or command a second look. The
LifeRe Total Vision Benefit Plan offers a full selection on all eyewear with no restrictions on frames, lenses, color, size or style at a savings of up to 60% when using a network provider.
| BENEFIT TYPE |
BENEFIT PERIOD |
BENEFIT AMOUNT |
| In-Network |
Out-of-Network |
| Wellness Eye
Examination |
Annual
Benefit |
$10.00
Co-Pay |
$25.00
Reimbursement |
| Materials
Benefits |
Every 24
Months |
$75.00
Allowance |
$75.00
Reimbursement |
| Eye Exam
Fitting Fee
Contact Lenses |
Every 24
Months |
$100.00
Allowance |
$100.00
Reimbursement |
| Eyewear
Discount |
Anytime |
10% - 90%
off
normal retail |
N/A |
| Accidental Loss
of Sight |
While policy is
in force |
One
Eye - $2,500.00
Both Eyes -
$5,000.00 |
Coast to Coast (CTC) Vision Provider Network :
By utilizing the CTC network providers you, can stretch the value of your vision benefits. The CTC network consists of over 9,000 eye care professionals nationwide including:
- TSO Optical
- Pearl Vision
- Sears Optical
- Eyemasters
- Royal Optical
- JC Penney Optical
- Montgomery Ward Optical
- Lenscrafters
- major independents
The network also includes ophthalmologists who will provide 10% to 30% discount off medical eye exams and surgical procedures including Lasick & Radial Keratotomy (RK
Surgery), where available.
For the provider closest to you, visit our web site at
www.LifeRe.com or call LifeRe Customer Services at (210) 357-1010 or (800) 229-1024.
