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Dental & Vision Coverage

Dental Insurance

Assurant Employee Benefits is the sole provider offering dental benefits and is now part of Sun Life Financial, a national benefits carrier. We are pleased to offer the same great dental benefit plans at the same affordable prices, regardless of what plan option you select.

Assurant offers different dental plan options depending on where you live. There are two Indemnity Dental Plan options available in all states. In Arizona only, you can select from two Prepaid Dental Plan options. Members are encouraged to compare options to select the plan that best suits your needs.

Read more about the plans in the 2017 Medicare and Non-Medicare Enrollment Guides:

2017 Retiree Insurance Plan Guides

The Assurant / Sun Life Brand 

For the 2017 Open Enrollment period, you can expect to see the transition to the Sun Life brand appearing here and in other materials. For more information, visit the Sun Life ASRS retiree website.

Dental ID Card. Your 2017 dental ID card will reflect the Sun Life brand. We will send you a new dental ID card if you are a new member, or if you switch plans. You can continue to use your existing Assurant-branded dental ID card. NOTE: if you are enrolled in the PPO dental plan option, your dental network will continue to be the Assurant Dental Network, and if you are enrolled in the Prepaid / DHMO network, you will continue to use the same network - there are no changes to your dental network.

Online Dental Health Center. Our online dental health center now reflects the Sun Life brand. If you have not visited this valuable resources, please bookmark the site and visit it for help with dental terminology, understanding treaments, or to ask a dentist for advice. Visit the Sun Life ASRS retiree website. 

When and How to Enroll

To enroll in one of the dental plans outside of the annual enrollment periods, you must experience a Qualifying Life Event (QLE). Click the button below to review the ASRS-recognized QLE's:

Qualifying Life Events

If you meet one of these QLE's, click the myASRS link in the upper right corner of this webpage to log in and enroll now.

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

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.

myASRS Login

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 2017 Medicare and Non-Medicare Enrollment Guides:

2017 Retiree Insurance Plan Guides

Or, visit the VSP website at:  VSP.com

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

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.

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 provider from the provider directory and list the dentist ID# on your Online Enrollment Application. To get a directory, call the Assurant 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 are choosing.

I am enrolling for family coverage in one of the Assurant 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 dentist 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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