In-House Dental Benefits Plan

Times are tough and many of our patients do not have dental insurance or are finding their dental insurance has been dropped or severely limited.

 

For our patients who find themselves without dental insurance, or with a plan that is severely limited, we at Lighthouse Dental Group have designed an in-house dental plan just for them.

Included Benefits

The Red Arrow Dental Benefits Plan is offered exclusively through Red Arrow Dentistry.

This is NOT insurance.

VALUE OVER $300 IN THE FIRST YEAR WITH JUST CLEANINGS, EXAMS AND X-RAYS. THE SAVINGS GO UP FROM THERE!

Plan Costs
All plans are on a yearly rate as follows:

1st family member: $299
2nd & 3rd immediate family member: $275 each
Additional immediate family members: $250 each

ADVANTAGES

  • No pre-authorization is ever required

  • No annual maximums

  • No deductibles

  • No waiting periods

  • Cosmetic dentistry is included

  • Free consultation for Smart Moves treatment

  • No claim forms

EXAMINATIONS

  • FREE new patient/comprehensive exam ($79.00 Value)

  • TWO FREE periodic exams per year ($90.00 Value)

  • ONE FREE limited exam per year ($67.00 Value)

  • FREE set of bitewing x-rays per year ($55.00 Value)

  • FREE full mouth series/PAN, one set per five years ($115.00 Value)

PREVENTIVE CARE

  • TWO FREE adult cleanings per year ($164.00 Value)

  • TWO FREE child cleanings per year (if child plan is chosen)

  • ONE FREE fluoride treatment (under 16 years of age)

  • ONE FREE perio maintenance

15% OFF ALL OTHER SERVICES

  • Smart Moves orthodontics trays

  • Periodontal Therapy/Scaling  & Root Planing procedures

  • Fillings

  • Crowns & Bridges

  • Cosmetic dentistry

  • Root Canals

  • Extractions

  • Dentures & Partials

  • Implant Restoration

and much more!

TERMS AND LIMITATIONS OF THE PLAN:

  • Family members cannot be substituted in for another family member. Children must be under the age of 18 and a full-time student. All family members must live in the same household.

  • Cleanings must be completed before the coverage date ends.

  • Patient must be an active plan participant at the time procedures is completed in order to receive the additional discount.

  • This is a dental discount plan and is NOT dental insurance. This plan cannot be combined with dental insurance.

  • The plan discounts do not apply to any treatment covered by insurance such as: Medical, automobile, homeowner’s, Medicare, Medicaid, worker’s comp, Veterans Administration, etc.

  • Payment is due at the time of service unless other payment arrangements have been made.

  • Annual enrollment fee is due at the time of enrollment.

  • Rates are subject to change annually.

  • Must remain a plan participant during entire duration of Smart Moves Orthodontic treatment.

  • Plan dues are not refundable or transferable. Even if you fail to use your free benefits. Benefits do not accumulate. Use it or lose it.

  • Plan is good only at Red Arrow Dentistry; therefore if you are referred to a Specialist not affiliated with Red Arrow Dentistry, discounts offered to plan participants will NOT apply.

  • THIS IS AN ANNUAL PLAN. ALL BENEFITS MUST BE USED WITHIN THE DATE OF THE PLAN. PLAN BEGINS THE DATE THE PLAN FEE IS PAID AND ENDS ONE YEAR LATER.

FAQ:
Why are patients with dental insurance not eligible for the plan? Several reasons but here are a few:

  • Dental offices are not required to process insurance claims however, as a courtesy Red Arrow Dentistry has elected to absorb the time and expense necessary to process insurance claims for the convenience of our patients. This requires several full time staff members as well as additional processing fees charged to Red Arrow.

  • In order to submit claims to insurance companies on behalf of our patients the INSURANCE COMPANIES REQUIRE RED ARROW TO ACCEPT DEEP WRITE-OFFS ON OUR FEES. If we do not accept these write-offs we could not process the insurance claims for our patients. We simply cannot afford to give the patient a discount and take the insurance write-off. Giving our patient a discount but filing the full amount to insurance constitutes insurance fraud which we will not do. 

  • The discounts offered in the Red Arrow Dental Savings Plan are a reflection of the added costs associated with filing insurance claims and the write-offs we must take in order to accept the insurance. At Red Arrow we felt it was unfair to make uninsured patients pay the higher cost associated with insurance processing if they did not have insurance.

Who qualifies as an immediate family member?

  • Husband, wife and all of their children 18 and under who live in the household.

Do unused benefits roll over into the next year?

  • No. All plan benefits must be used within the year of the plan.

If I have a current treatment plan, when do I receive the discount?

  • Discounts are applied when the treatment is completed. Participant must be a current plan participant to receive the discount. Ex: If a participant is current this year and receives a treatment plan for a filling but does not have the procedure done until after the plan has expired the discount would NOT apply. However, if the participant renews the plan for an additional period they WOULD RECEIVE the discount. Even if the participant did not participate in the plan for a couple of years but then rejoined they would receive the discount as long as they are a current participant at the time the procedure is completed.

What if I have an existing treatment plan with Red Arrow Dentistry and become a plan participant? Do I receive the discount?

  • Yes, as long as the work has not been started yet the discount would apply.

What about pre-existing conditions?

  • As long as the patient is a current plan participant and work has not yet begun the discount would be applied if completed while the patient is still a current participant.

Need to get in touch?

Whether you want to request an appointment or simply have a question, fill out the form to the right or call us as (269) 465-3001 and our staff will be happy to help!

Prevention of Disease is Our #1 Goal!