Dental, Vision and Hearing Policies

Dental, Vision and Hearing Policies

A CSO Dental, Vision and Hearing Policy can provide protection for services you need.

Get the coverage you need for you and your eligible dependents with a Central States Health & Life Co. of Omaha (CSO) dental, vision and hearing insurance policy.

Offering Services for:

DENTAL

  • Preventative
  • Diagnostic
  • Restorative
  • Prosthodontics

VISION

  • Eye Exams
  • Lenses
  • Frames
  • Contact Lenses

HEARING

  • Hearing Exams
  • Hearing Aids
  • Hearing Aid Repairs

For a Sample of Schedule of Benefits and Important Details



Central States Health
& Life Co. of Omaha

A– (Excellent)*

AM Best Financial Strength Rating

2021

* The AM Best Company, Inc. rating refers only to the overall financial status of the company and is not a recommendation of the specific policy provision, rates or practices of the insurance company. 

AM Best’s Financial Strength Rating is an independent opinion of an insurer’s financial strength and ability to meet ongoing obligations to policyholders. For the latest rating, access www.ambest.com

  • An essential part of your overall well-being is maintaining good oral health. Ignoring your oral health can lead to cavities, gum disease and also has been linked to heart disease, cancer and diabetes.
  • You have one set of eyes. Taking care of your vision on a regular basis is important. Annual exams diagnose not only vision correction, but also the health of your eyes.
  • Loss of hearing affects quality of life. Unfortunately, it can also happen to anyone. That is why it is important to get a baseline test, and regular follow-up exams. Doing so can help diagnose potential problems

Choosing a Dental, Vision and Hearing Plan should focus on two key factors: benefits and service. CSO differentiates themselves in both areas with 90 years of extending insurance products and servicing our policyholders. Benefits of a CSO Dental, Vision and Hearing Policy include:

  • 100% coverage with no deductible and no waiting period for routine and basic services for dental, vision and hearing exams.  Expenses are payable in accordance with the Policy’s Schedule of Benefits.
  • Freedom to select the provider of your choice. For dental services, you also have the option to take advantage of negotiated discounts by selecting a provider within a contracted Preferred Provider Network with DenteMax.
  • Coverage is available for your spouse and/or your dependent children (children up to age 26).
  • Claim and policyholder support provided by service professionals dedicated to ensuring your satisfaction.

    Issue Ages0 – 90
    Benefit Levels$1,000, $1,500 or $2,000 per year
    Annual Deductible$100*
    Dental - Preventative100% in all Years
Waiting PeriodNone
DeductibleNot Applicable
    Dental – Basic60% / 70% / 80%**
Waiting PeriodNone
DeductibleApplicable
    Dental – Major60% / 70% / 80%**
Waiting Period9 Months
DeductibleApplicable
    VisionExam: 100%
 Hardware: 60% | 70% | 80%**
Annual Maximum$200 (every two years)
Waiting Period

9 Months, Hardware Only

For TN Policyholders Only: 30 Days

DeductibleApplicable for Hardware Only
    HearingExam: 100% up to $75
 Hardware: 60% | 70% | 80%**
Annual Maximum$500 (every two years)
Waiting Period

9 Months, Hardware Only

For TN Policyholders Only: 30 Days

DeductibleApplicable 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.

In NC, for costs and further details of the coverage, including exclusions, any reductions or limitations and terms under which the policy may be continued in force, see your agent or write to the company.

1.  Can I choose my own dentist for dental services?
Yes, you can chose your own dentist. Or, you may select a provider from the plan's contracted network of providers through DenteMax, which allows for negotiated rates.

2.  What annual/biannual routine dental services are covered at 100%?
The following expenses are considered routine: diagnostic services, to include oral evaluations (limited to once every 6 months) and bitewings (limited to once every 12 months). Preventative services , to include prophylaxis (once every 6 months), topical application of fluoride (limited to once every 12 months and up to age 16) and sealants (limited to once every 36 months and up to age 16).

3.  Are there any waiting periods?
There is a 9 month waiting period for major dental expenses, and for vision and hearing hardware. For Tennessee Policyholders, there is a 9 month waiting period for major dental expenses, and a 30 Day waiting period for vision and hearing hardware.

4.  What network of providers is available for dental?
DenteMax offers a network of dentists contacted at negotiated rates. To view the dentists within the DenteMax network CLICK HERE

5.  What are the deductibles for this plan?
There is a $100 per insured person, per policy year deductible. Note this deductible is waived for preventative dental covered expenses, comprehensive eye examinations and hearing examinations (hearing exams have a $75 maximum benefit).

6.  Are dental, vision and hearing benefits a percentage of the covered expense?
After the deductible, basic and major dental covered expenses are paid at 60% in the first policy year; 70% in the second policy year; and 80% in each policy year thereafter, up to the policy's maximum.

After the deductible, covered vision hardware expenses are paid at 60% in the first policy year; 70% in the second policy year; and 80% in each policy year thereafter, up to the policy's maximum of $200 every two years.

After the deductible, covered hearing hardware expenses are paid at 60% in the first policy year; 70% in the second policy year; and 80% in each policy year thereafter, up to the policy's maximum of $500 every two years.

7.  Can I change my chosen benefit level? (e.g., move from the $1,000 benefit level to the $1,500 benefit level)
Moving to a different benefit level can be an option. If you are interested in moving to a different benefit level, it is important to contact Customer Service so you are made aware of plan restrictions, if any. Please call 1-833-522-4874 to speak with a Customer Service Representative for further information.

These dental, vision and hearing insurance products are underwritten by Central States Health & Life Co. of Omaha.

This is a solicitation of insurance. You are under no obligation when you ask for more information. If you respond, you may be contacted by a licensed insurance agent in an attempt to sell you insurance. A licensed agent will provide you complete information including benefits, costs, eligibility requirements, exclusions and limitations.

This insurance provides limited benefits if you meet the conditions listed in the policy. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.

This website does not pertain to states where no coverage is available including: AK, AR, CA, CT, DE, HI, ME, MD, MA, MN, NH, NM, NY, OR, RI, VT, WA, and WI, including DC, Guam and Saipan. ARIZONA RESIDENTS: Information regarding Dental, Vision and Hearing Insurance on our website does not apply to Arizona residents. Please contact an Agent for Arizona specific information.

Looking for Assistance?
We’re Here to Help!

Phone Number:
(833) 522-4874

Hours: 
9:00 AM to 6:00 PM (EST)
Monday through Thursday

9:00 AM to 5:00 PM (EST)
Friday

You can obtain a free quote by speaking to an agent.

Phone Number: 
(866) 887-9323

Online:
CLICK HERE

To follow-up on a dental, vision, or hearing Claim, CLICK HERE

To contact an Agent for help with a CSO Dental, Vision and Hearing policy, call (866) 887-9323.

Agents currently representing CSO Dental, Vision and Hearing Insurance, CLICK HERE, or Login using the link in the menu above.

Agents interested in representing CSO for Dental, Vision and Hearing Insurance, call (866) 644-3988.