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Dental & Vision Coverage

Dental Insurance

Sun Life Financial is the sole provider offering dental benefits through the Arizona State Retirement System. We are pleased to offer the same great dental benefit plans at the same affordable prices, regardless of what plan option you select. The plan remains the same for all plan options. We encourage you to review all plan options to determine which plan best fits your dental care needs.

For retirees living in Arizona, there are four dental plan options from which to choose:
    • Indemnity: Freedom Basic ("Low Option")
    • Indemnity: Freedom Advance ("High Option")
    • Prepaid: DMHO 220 with Ortho Copayments
    • Prepaid: Heritage Secure with SBA

For retirees living outside of Arizona, there are two indemnity plans and, in certain states, a prepaid dental plan to choose:

    • Indemnity: Freedom Basic ("Low Option")
    • Indemnity: Freedom Advance ("High Option")
    • Prepaid (Available in CA, CO, FL, GA, KS, MO, NE, NV, NM, OH, OK, OR, TX and UT).

Understanding the Dental Plans

Indemnity Dental Plans

    • Allows you to select any dentist
    • Deductibles, annual maximums, waiting periods, and pre-existing conditions and/or limitations may apply
    • You and/or your dentist will file claims for reimbursement of covered expenses
    • Pay for services based on allowable charges and coinsurance levels as determined by plan

Prepaid Dental Plans

    • You select a primary care dentist from a network of participating general dentists
    • You will receive most of your dental care from your primary dentist
    • It is important to remember that all of your dental care (with a few exceptions) must be provided by a general dentist or a specialist who participates in the Prepaid or DMHO network
    • No deductibles, annual maximums, waiting periods, pre-existing conditions and/or limitations, coinsurance levels, or claims forms
    • Offers lowest premium rates
Online Dental Health Center

Visit the Sunlife website for ASRS plans here. Sunlife.com/ASRS

On the SunLife/ASRS website, members can:

  • Search for providers
  • Pull up or print their ID card
  • View claims

If you have not visted this valuable resource, please bookmark the site and visit it for help with dental terminonology, understanding treatments, or to ask a dentist for advice. Visit the dedicated Sun Life ASRS retiree website.

ASRS offers online enrollment for its retiree group insurance benefit options. Watch this video to see how easy it is to enrollment in an ASRS plan.

Enrolling in a Plan

To enroll in one of these dental plans, you must experience a Qualifying Life Event (QLE). Review the ASRS-recognized QLE's here. If you meet one of those QLE's, click the button to log in to your myASRS account to enroll now.

Qualifying Life Events

If you are currently a retiree or disabled member covered by ASRS, ADOA or another ASRS employer's insurance, you can view those elections in your myASRS account by selecting 'Medical/Dental Insurance Details' under the Your Account section in the navigation pane.

Online Enrollment icon Online Enrollment is Here!

We've made enrolling in a medical and/or dental plan faster, easier and more accurate than ever with our Online Enrollment Process. Just log into your myASRS account to get started!

myASRS Login

Choosing a Provider or PCP

Vision Discount Services

Retirees and Long Term Disability recipients enrolled in any Assurant / Sun Life dental plan are automatically eligible for discounts on vision care needs through Vision Service Plan (VSP).

Services include discounts on eye exams, glasses, contact lenses and even laser surgeries.

VSP is not insurance but an additional savings benefit afforded to participants in ASRS dental insurance plans. Your membership card can be used for both your dental and vision needs.

Read more about the vision plan in the 2018 Medicare and Non-Medicare Enrollment Guides:

2018 Medicare-Eligible Retiree Insurance Plan Guide

2018 non-Medicare Retiree Insurance Plan Guide

Or, visit the VSP website at:  VSP.com

NOTE: If you are looking for the 2017 calendar year's plan guides, please refer to the main Health Care page.

Health Insurance eLearning

This comprehensive, click-and-you-go eLearning module explains everything you need to know about the ASRS Dental and Vision Plans.

Click on the eLearning picture to get started!

Health Insurance Dental eLearning graphic

Frequently Asked Questions

When will I receive an ID card if I am a new member or if I switch plans?

Within 5 to 7 business days after Sun Life receives and processes the ASRS member eligibility file. Once you are enrolled and the coverage is effective on the Sun Life Financial dental plan, you can register on the Sun Life Financial secure website application, "Online Advantage" by creating a user name and password. Upon successful registration in the Online Advantage site, you can obtain a dental card at your convenience. Additionally, you can download your dental ID card using the Sun Life Financial smartphone application "Benefit Tools" and have access to your ID card on yoru phone.

How do I determine my current health insurance out-of-pocket costs?

Login to your myASRS secure account and click on the “Medical/Dental Insurance Details” link to see your current ASRS or ASRS employer retiree medical and dental plan, monthly premiums, premium benefit and your net cost.

What if my monthly health insurance premium exceeds my monthly pension?

If your pension does not cover your net insurance costs, the insurance carrier(s) will mail a bill directly to you. It will be your responsibility to pay premiums directly to the insurance carrier(s). Direct bills are mailed at the end of the month and due by the 25th of the following month.

What happens if I fail to pay my insurance premium direct bill?

Your health insurance coverage will be terminated. If you wish to re-instate coverage, you must pay any remaining balance in full and wait for our annual Open Enrollment period to enroll.

What is the best way to determine which dental plan is right for me?

Consider your situation and type of dental care you typically need during the year (and, if you are covering any dependents, factor in their dental care needs, too). For the indemnity plans, be sure that you compare the differences and the type of coverage each plan offers. For the Prepaid and DHMO dental plans offered in Arizona only, compare the copayment schedules and factor in those costs along with the annual premiums when making your decision.

If I am enrolled in a Prepaid or DMHO dental plan, what kind of dentist may I choose when selecting a General Dentist?

You must select a General Dentist from the list of contracted providers. Simply choose a General Dentist from the provider directory and list the dental facility ID# on your Online Enrollment Application. To get a directory, call the Sun Life ASRS onsite representative at the number listed on the inside back cover of the guide or visit SunLife.com/ASRS. Be sure you select the correct Prepaid dental network for the plan you have selected.

I am enrolling for family coverage in one of the SUn Life Financial Prepaid dental plans. May I select a General Dentist for my whole family?

Each covered family member can select his or her own General Dentist. Just be sure to include the dental facility ID# for each covered family member on your Enrollment Form.

How do I change my General Dentist?

PRE-PAID DENTAL: Call Assurant at 800-443-2995 to change your General Dentist before making an appointment with your new General Dentist. Requests must be received by the 20th of the month to be effective the 1st day of the following month. Requests received after the 20th of the month will be effective on the 1st day of the following month. You should also confirm that you are on your General Dentist’s monthly roster when you make your dental appointment.
  • INDEMNITY DENTAL: The plan provides complete freedom-of-choice in providers. No selection is necessary.

How do I use my General Dentist?

PRE-PAID DENTAL: Your General Dentist is responsible for maintaining your dental health. Should you need to see a specialist (periodontist, endodontist, oral surgeon, orthodontist), you may self-refer for dental care. Assurant’s provider directory lists all dental providers who participate with the plan and meet Assurant’s credentialing standards.
  • INDEMNITY DENTAL: You may receive dental care from any licensed dentist or special- ist in the United States. However, you also have the option to use a dentist who participates in the Assurant Dental Network. All of the dentists who participate in the Assurant Dental Network have agreed to negotiated fee arrangements of up to 30% off their usual and customary fees and will not balance bill you for services covered by the plan.
  • Assurant strongly recommends that whenever the cost of any proposed dental treatment exceeds $300, a pre-treatment estimate be submitted for review before treatment begins. This pre- estimate of benefits will inform you of your expected out-of-pocket costs.

How much and when do I have to pay for my dental visit?

PRE-PAID DENTAL: You will be charged according to your Schedule of Benefits, depending on which plan you choose. Carefully review your Evidence of Coverage and copayment listing and discuss all charges with your Plan dentist before the services are done. Payment for dental services is due at the time treatment is rendered or in accordance with the Plan dentist’s billing procedures. Except for certain specialty procedures as listed in the DHMO Dental Plan 220 copayment schedule, any services performed by a Non-Plan Dentist are NOT covered.
  • INDEMNITY DENTAL: Most dentists will file your dental claims for you and charge you your coinsurance and any deductible that may apply. You will receive an Explanation of Benefits after Assurant pays the claim to show what benefits have been covered and the amount for which you are responsible. Assurant strongly recommends that whenever the cost of any proposed pre-treatment estimate exceeds $300, a dental treatment plan be submitted for review before treatment begins. This pre-estimate of benefits will inform you of your expected out-of-pocket costs. You should review your Certificate of Coverage and discuss your proposed dental treatment options with your dentist before the services are performed.

What should I do if I have a dental emergency?

PRE-PAID DENTAL: First, contact your Plan General Dentist to make an appointment. If your Plan General Dentist is unable to see you, you may seek treatment from any licensed dentist in the United States. Please be informed the emergency benefit in your plan is limited to the temporary relief of pain and has limited benefits.
  • INDEMNITY DENTAL: You can receive your dental care from any licensed dentist or specialist in the United States. If your regular dentist cannot see you in an emergency, the dentist who treats you may require you pay for your emergency dental care at the time treatment is rendered. Then you will submit a claim directly to Assurant.

How do I get a directory of participating dentists?

PRE-PAID DENTAL: Call Assurant’s ASRS on-site representative OR Assurant’s customer service department at the numbers listed in the back of the guide or visit Assurant’s dedicated web site at sunlife.com/ASRS and select the directory listing for the Prepaid Dental plan you have selected.
  • INDEMNITY DENTAL: You can receive your dental care from any licensed dentist or specialist in the United States. However, you also have the option to use a dentist who participates in the Assurant Dental Network to receive additional savings on all your covered dental treatments and services. Call Assurant’s ASRS on-site representative OR Assurant’s customer service department at the numbers listed in the back of this guide or visit Assurant’s dedicated web site at sunlife.com/ASRS and select the directory listing for the Assurant Dental Network of dentists.

Can I enroll in one of the ASRS-sponsored dental plans if I do not enroll in one of the ASRS-sponsored medical plans?

Yes, all eligible public sector retirees, LTD recipients and eligible dependents are eligible to enroll in one of the dental plans even if they do not enroll in an ASRS medical plan. When you are enrolled in one of the ASRS-sponsored dental plans, the Premium Benefit will be applied to your dental plan premium first. If you are also enrolled in an eligible medical plan, the remainder of the Premium Benefit will then be applied to the medical plan's premium.
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