The Standard Reimbursement Plan is fully insured and underwritten by the United States Life Insurance Company in the City of New York (United States Life). Such plan is available only in New Jersey. United States Life is duly licensed by the New Jersey Department of Insurance. The Comprehensive Plan is offered by International Healthcare Services, Inc., certified by the New Jersey Department of Insurance. In New York the program is offered by Dentcare Delivery System, Inc., licensed by the New York State Insurance Department.


The emphasis in on "Preventive Dentistry". By offering insureds a prepaid and a postpaid program, we are able to provide you with needed services and coverage that will help prevent future problems. In this way we work to hold down major dental problems and their high costs.


A choice of two plans is available to all insureds. Both plans are described below. The cost for each of the plans is $9.95 per bi-weekly pay period.


If this plan is selected you may choose a dental office from our list of participating dentists, and all covered services for you and your family will be rendered at that office. There are no claim forms, no deductibles, no maximums, and no waiting for predeterminations before you begin treatment. Simply make an appointment with your participating dentist and receive all needed care at his office. Referrals will be made by your dentist to  participating specialists, when specific treatment is indicated. Most services are covered without any cost to you, and other more involved procedures have minimal copayments. The Comprehensive Plan includes crowns, fixed bridgework, and orthodontics.