NAR is pleased to introduce REALTORS® Dental Insurance, an affordable and guaranteed-acceptance dental insurance program designed exclusively for REALTORS®! Here’s the details on this new and exciting member benefit available through NAR:

WHY:

• 85% of Americans report awareness that their oral health is very important to their overall health.    
  
• The No. 1 reason people do not go to the dentist is lack of dental insurance.
  
• Dental insurance is the second most-requested benefit to be offered by employers.
• REALTORS® are in a profession where meeting face-to-face with customers and appearance is key to their confidence and ultimately their success.

WHAT: REALTORS® Dental Insurance (RDI) – dental insurance plans and rates exclusively designed for NAR members. 

WHO IS ELIGIBLE:

REALTORS® Dental Insurance is available to active NAR members and Association staff.

* Plans are available today in Puerto Rico, the Virgin Islands and Guam and in every state except NH, where state law prohibits it, and NC, where the plan has been filed by the carrier and is pending approval by the state’s Department of Insurance.  Members in these states can check with their State Department of Insurance directly on the status of approval for these programs. 

Eligible dependants (spouse and/or children) may be added to a member’s plan.

PROGRAM BENEFITS & HIGHLIGHTS

Over 300 covered procedures. Highlights include:

• Preventive Dental Benefits (no deductible): Routine exams, cleanings, fluoride treatments, sealants, and more
• Basic Dental Benefits: Full mouth X-rays, bitewings, amalgam restoration, simple and complex extractions, surgical removal of teeth, deep sedation/general anesthesia, and more
  
• Major Dental Benefits: Onlays, maxillary partial denture - resin base, denture repair, endodontics - root canal, periodontal scaling and root planning, crown and crown repairs, pontics - porcelain fused to noble metal, and more

 Bonus benefits are available with Platinum, Gold and Silver Plans. See plan for details.

Other REALTORS® Dental Insurance Plan Highlights:

• Plans and rates are exclusive to NAR and provide affordable and valuable "large group" dental benefits to individual members and their families nationwide.
• Freedom of Choice: You're free to visit any licensed dentist. 
• Large Nationwide Network (PPO) Option for added savings: When you visit a participating Ameritas Dental PPO provider, you save money. Ameritas PPO providers have agreed to charge reduced fees to member clients. The network is comprised of more than 83,000 dentist locations nationwide.
  
• Claims Convenience: You will receive an ID card to present to your dentist at the time of service. The dentist can submit bills to Ameritas, which will pay the dentist directly. You'll receive an Explanation of Benefits (EOB) statement, which will explain how benefits were covered.  For your convenience, claims are available to view online at any time.
• Maximum Covered Expense (MCE): an easy-to-understand benefit at a very affordable rate. You know exactly what the plan pays for each covered procedure and pay the difference between that amount and the dentist's fee. You will receive additional out-of-pocket savings when using an Ameritas PPO provider.

To learn more, review plan options and obtain a free quote, visit www. RealtorsDentalInsurance.com or call 1-877-267-3752 and mention your NAR Membership (NRDS) I.D. #.