Providers, please use DentalXChange or Vyne to submit claims during the CHC outage. Contact support for questions or enrollment assistance.
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2-Year Rate Guarantee

Help protect your client’s financial future with a guaranteed rate

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Young professionals looking at computer screenTwo-Year Rate Guarantee

Save more clients
time and money

Your clients like introductory benefits rates, so wouldn’t it be nice to guarantee the same rate beyond the first year? With the 2-Year Rate Guarantee|| from Beam Benefits, groups can take advantage of today’s rates on dental and vision coverage and enjoy peace of mind knowing their rate will not change for up to two years.

Our 2-Year Rate Guarantee now covers more employers, available to groups with 10-499 eligible employees who quote with Beam now through June 30, 2023, with an effective date between April 1, 2023, and September 1, 2023.

Here’s how the 2-Year Rate Guarantee works:

Client enrolls with Beam Benefits

Year 1

Mid-contract open enrollment for your clients, their rates stay the same

Year 2

Client has their first renewal with Beam

Year 3

Take advantage of Beam’s 2-Year Rate Guarantee. Simply fill out the form below and one of our representatives will be in touch with you shortly.

2-year rate guarantee only applies to new dental and vision quotes.

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Beam is different

Simpler, smarter benefits for today’s workforce

Beam Benefits takes a modern approach to delivering simplified, robust benefits plans. We provide our members with self-service tools, wellness-connected incentives, and helpful support for an experience unlike any other.

Two men and a woman having a pleasant meeting conversation

Innovative quoting process for customized plans## and competitive pricing

Access to a national network of dental and vision providers (500,000+ access points and 115,000+ vision access points)

Rapid implementation with no waiting period for members

Beam Perks* program for group incentives and member rewards#

Terms and conditions

||Terms & Conditions: 2023 Rate Guarantee Program
2-year rate guarantee applies to new dental and vision quotes received between 4/1/2023-6/30/2023 11:59pm EST. To qualify for the promotion, groups must not be currently enrolled with Beam or canceled within the past 12 months and have between 10-499 eligible employees. Groups must have a policy effective date between 4/1/2023-9/1/2023 to qualify for the rate guarantee. Program does not limit the number of quotes received or number of brokers within the same brokerage that may participate.

2-year rate guarantee promotion, in Florida and Washington, applies to new dental and vision quotes received between 4/1/2023-6/30/2023 11:59pm EST. To qualify for the promotion, groups must not be currently enrolled with Beam or canceled within the past 12 months and have between 51-499 eligible employees. Groups must have a policy effective date between 4/1/2023-9/1/2023 to qualify for the rate guarantee. Program does not limit the number of quotes received or number of brokers within the same brokerage that may participate.

Valid in all states in which Beam sells insurance. Rate is subject to change during rate guarantee period due to State or Federal law changes. Beam Benefits may suspend or terminate this offer at any time for any reason. Each rate guarantee is separate and independent from commission. Applies to single employer groups only.

To be eligible for qualification and payment, the broker must be appropriately licensed and appointed and comply with all applicable laws and regulations, including, without limitation, those that apply to disclosure of compensation.

Quotes received through Gusto, Rippling and Allstate Benefits (National General) do not qualify for this promotion. Shelf rated plans excluded from this promotion. Please check with your Beam representative to see if you're eligible. The personal information collected, processed and used as part of the promotion will be used in accordance with Beam Dental's Privacy Policy, which is available for your review at https://www.beambenefits.com/legal/privacy-policy.

Time frame and details
Years 1 and 2: Beam will have an open enrollment period between years 1 and 2, the rates will remain the same.

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Dental and vision insurance products underwritten by National Guardian Life Insurance Company (NGL), Madison, WI, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA). Dental policy form number NDNGRP 2020 and Vision Policy form series number NVIGRP 2020. Dental and vision products underwritten by Nationwide Life Insurance Company, Columbus, OH in NY, DE, ID, LA, UT, OH, TX, NM, and NV (vision only). Dental coverage applicable to policy form GDTL AO L20, or state equivalent and vision policy form GVIS AO L20, or state equivalent. Dental and vision products administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Vision insurance products underwritten by Vision Service Plan (VSP) in WA. Vision insurance products administered by Vision Service Plan Insurance Company. Not all products available in all states.

THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.


National Guardian Life Insurance Company, Madison, WI, is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life.


Nationwide and Beam Insurance Services LLC are separate and non-affiliated companies.


National Guardian Life Insurance Company, Two East Gilman, Madison, Wisconsin 53703


Nationwide Life Insurance Company, One Nationwide Plaza, Columbus, OH 43215


Vision Service Plan Insurance Company, 3333 Quality Drive Rancho Cordova, CA 95670

*

Beam Perks™ is provided by Beam Perks LLC. Eligible members age 4 and up at the time of enrollment are eligible to receive Beam Perks™ and must select their Beam Brush color within 45 days of enrollment to participate. If you do not have a mobile device you can obtain Beam Perks™ by contacting Customer Operations at 1-800-648-1179. Beam Perks™ can be obtained separately without the purchase of an insurance product by contacting Customer Operations at 1-800-648-1179. Beam Perks™ may be changed at anytime without notice and is subject to availability. See https://www.beambenefits.com/legal/beam-perks-terms-and-conditions for Terms and Conditions.

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Beam Perks™ is a voluntary program. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. You should consult with an appropriate health care professional to determine what may be right for you. Rewards may be taxable. You should consult with an appropriate tax professional to determine if you have any tax obligations from receiving rewards under this program. If any fraudulent activity is detected (e.g., misrepresented brushing activity), you may be suspended and/or terminated from the program. If you are unable to meet a standard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. Contact us at 1-800-648-1179 and we will work with you (and, if necessary, your doctor) to find another way for you to earn the same reward. Availability and rewards may be limited due to incentive limits under applicable law. See https://www.beambenefits.com/legal/beam-perks-terms-and-conditions for full program Terms and Conditions.

Access points and providers based on data comprised of the following networks as of November 2022; Dental Benefit Providers (DBP), Careington, DenteMax Plus, Connection Dental, Maverest, First Dental Health, and Beam Direct.

Access points and providers based on data provided by VSP for the VSP Choice Network as of August 2023.

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Pricing customization may vary based on plan and state specific limitations.

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For agent use only. Not intended for public distribution.

Contact Beam

Start a conversation with Beam.

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To access your digital insurance card:
  • Log in to your Beam account
  • Click “Plan info”
  • Select your option on the right to print or view your card. You can also request a physical card.
Please use the provider portal for 24/7 access to patient eligibility information. You can also call us at 800-648-1179 and select “1" to use our virtual agent fax back option.
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Want to talk over the phone?
Give us a call at 1-800-648-1179.