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High-quality dental benefits. Simplified.

Beam offers smarter, simpler dental plans that are fully customizable and wellness-focused to fit every group and member.

You’ll have instant online access to the info you need, and we offer a one-of-a-kind perks* program that encourages and rewards# consistent habits with our smart electric toothbrush.

circle down arrowDentist and patient having a conversation

What to expect

Broad network of dentists across the country (500,000+ access points), searchable with our Find a Dentist tool.

Covered cleanings, preventive care, and diagnostics for members§

Tailored plans to cover both small and large groups, from just 2+ employees

Smart toothbrush that rewards groups for consistent brushing habits

Beam Perks program that allows members to earn and redeem pointsfor brush heads, floss, and gift cards from their favorite brands

Coverage for real life

See how Beam's dental plan coverage works with the following illustrative examples.

Member

Preventive care

What is preventive & diagnostic care?

The most frequent procedures that help maintain your oral health are considered preventive, and they’re typically fully covered by your Beam plan.

  • Teeth cleanings

  • Routine exams

  • Basic x-rays

  • Sealants or fluoride treatments for children

Member cost

In most situations, as a Beam member, you’ll pay $0 out-of-pocket for preventive care. Why does Beam cover this type of care? Because these services are critical to keeping your mouth—and the rest of you—healthy.

Responsibility
Cost
Teeth cleaning cost
-
$100
Beam covers preventive care at 100%
Plan pays
$100

Member

Root canal

Beam member, Alex, visits their in-network dentist and learns that they need a root canal. The dentist checks the Beam provider portal and explains to Alex that the root canal is considered a basic procedure, covered at 80% coinsurance, just like fillings and tooth extractions.

Alex’s dentist provides them with a pre-estimate before the procedure. Alex will be responsible for their $50 deductible as it has not yet been met this period, as well as the remaining 20% of the cost of the procedure.

Responsibility
Cost
Root canal cost
-
$1,000
Deductible
Alex pays
$50
Remaining balance
-
$950
Beam covers 80% of the cost after the deductible
Plan pays
$760
Remaining 20% of cost
Alex pays
$190

After the procedure is complete, Alex’s dentist files a claim on their behalf, and Alex will receive the Explanation of Benefits (EOB) fully detailing their coverage and benefits for the root canal.

Member

Dental crown

A major procedure

Beam member, Jamie, visits their in-network dentist for a dental crown. Their dental provider checks the Beam provider portal and explains that dental crowns are considered a major procedure, covered at 50% coinsurance. Jamie has a deductible of $50, which they have already met this period. The dentist is able to provide Jamie with a pre-estimate before the procedure.

Cost overview

Responsibility
Cost
Dental crown cost
-
$800
Deductible (already met)
Jamie pays
$0
Remaining balance
-
$800
Beam plan 50% coinsurance
Plan pays
$400
Remaining 50%
Jamie pays
$400

Because Jamie has already met their deductible and is responsible for the remaining balance after the plan pays 50% coinsurance, their total out-of-pocket cost will be $400.

After the procedure is complete, the dental provider files a claim on Jamie’s behalf, and they will receive the Explanation of Benefits (EOB) fully detailing their coverage and benefits for the dental crown.

Case study

In-network vs. out-of-network: What’s the difference?

Beam members can use their dental plan coverage at any dental office, but visiting an  
in-network (INN) provider can save members real money in the long run.

Take a look at the following pre-estimate examples that Beam member, Nic, received before going in for a dental crown. Comparing the pre-estimate from the in-network dentist to the pre-estimate from the out-of-network (OON) dentist, it becomes clear that Nic will save $415 by staying in-network.

In-network: how it works

A dental crown costs a total of $1,400 with both dentists, but Beam’s existing relationship with the in-network dentist means lower out-of-pocket costs for members.

Fee schedule: In-network providers use a Preferred Provider Organization (PPO) fee schedule that has been negotiated between the dentist and Beam’s network.

  • The PPO fee schedule states that the total allowable cost for the dental crown is $800 before Beam coverage is applied, automatically reducing the total cost by $600.

  • Nic has not yet paid his $50 deductible this year, so they will owe $50 toward the allowable cost, leaving the balance at $750.

  • Nic’s plan covers major procedures such as dental crowns at 50% coinsurance, which means Beam will pay $375 (50% of the balance), and Nic will be responsible for the remaining $375.

  • Altogether, if Nic goes to the in-network dentist for the dental crown, they will owe $425 ($50 deductible + $375 remaining balance).

Out-of-network: how it works

The total cost of a dental crown with the out-of-network dentist is, again, $1,400, but the provider is not part of Beam’s preferred provider network. This means that Nic can use their Beam coverage toward the cost of care, but the out-of-pocket costs will be higher.

Fee schedule: The OON dentist uses a fee schedule called Usual, Customary, and Reasonable (UCR), which Beam will cover 90% of the average price for a service within a geographic area according to Nic’s plan details.

  • The UCR for this dentist to complete a dental crown is $1,300 and the allowable amount is 90% of that ($1,170).

  • Because this dentist is out-of-network and has not negotiated rates with Beam, Nic is responsible for the difference between the dental crown cost and the allowable amount, which, in this case, is $230.

  • Nic owes the $50 deductible toward the allowable amount ($1,170), leaving a balance of $1,120.

  • Although this dentist is OON, Nic’s Beam plan will cover the procedure at 50% coinsurance, applied to this remaining balance.

  • Nic’s total out-of-pocket cost will be $840 ($230 difference between cost and allowable amount + $50 deductible + remaining 50% balance).

Responsibility
Pre-estimate:
In-network provider
Pre-estimate:
Out-of-network provider
Dental crown cost
-
$1,400
$1,400
Maximum amount that dentist can charge for dental crown
allowable amount
-
$800
PPO fee schedule
$1,170
90th UCR fee schedule1
Difference between cost and allowable amount
-
$600
Provider is responsible
$230
Member is responsible
Difference between cost and allowable amount
-
$800
$1,170
Deductible
Nic pays
$50
$50
Remaining cost
-
$750
$1,120
Major procedure covered at 50% after deductible
Plan pays
$375
$560
Major procedure covered at 50% after deductible
Nic pays
$375
$560

1 Usual, customary, and reasonable (UCR) is $1,300 for the dentist’s service area, but OON will only cover 90th percentile (or up to 90%) of UCR ($1,300 x 90%)

Nic would save money by visiting an in-network provider. With our Find a Dentist tool, it’s easy for members to find an in-network dentist in their area and save money on their dental care.

Employer

Choosing Beam. Business ABC chooses Beam as their dental benefits provider with a plan fully customized to their team’s needs.

Digital access. The broker and the Business ABC admin team receive email access to Beam’s digital implementation tool.

Rapid implementation. The HR admin team at Business ABC gain access to Lighthouse, Beam’s self-service portal for quick enrollments and easy plan management.

Up and running. Within 5 days, Business ABC’s dental plan is implemented and their employees are fully covered.

Education and support. Beam helps Business ABC educate their employees about the value of their benefits at enrollment and offers ongoing support.

Easy plan administration. Business ABC’s admin team uses Lighthouse for simple, ongoing plan management, like adding and dropping employees, accessing invoices, and verifying plan information.

Perks and rewards. Enrolled employees are earning reward points for consistent habits, redeemable for products in the Beam store and gift cards for their favorite brands.

Group discount. Business ABC may be eligible for a discount at renewal based on their employees’ consistent brushing habits.

A bigger portfolio. Better benefits.

Explore our full portfolio of ancillary benefits and bundle coverage to fit your team.
Contact Beam

Start a conversation with Beam

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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 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. Life insurance product is underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Life and AD&D coverage applicable to policy form GLIF AO L20, or state equivalent. Life product is not available to members living in Puerto Rico and product availability may vary by state. Program restrictions and exclusions apply. Accident, Hospital only Indemnity, and Critical Illness insurance products are underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Accident coverage applicable to policy form GCAS AO L20, or state equivalent, Hospital policy form GHOI AO L20, or state equivalent and Critical Illness policy form GCI AO L20, or state equivalent. Products not 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

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DHMO dental product available in CA, underwritten and administered by California Dental Network, marketed by Beam Insurance Services LLC. Beam Perks™ and Beam Perks rewards program not available for DHMO product members.

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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.

Members earn 10 points for each brushing event synced with the Beam App lasting at least 2 minutes. Each member can earn a max of 20 points per day for 1 morning and 1 evening brushing event. Brushing events occurring between 4:01AM & 4:00PM count as a morning brushing event and brushing events occurring between 4:01PM & 4:00AM counts as an evening brushing event. Events with a duration less than 2 minutes will not be eligible for reward points. The duration requirement is for a single event or is not the sum of multiple brushing events

There is no discount associated with the bundling of products.

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.

§

Please see plan documents for services that are considered Preventive and Diagnostic.

Lower rate based on group's participation in Beam Perks™ wellness program and a group aggregate Beam score of "A". Based on Beam® internal brushing and utilization data. Not all Products Available in All States.

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

Contact Beam

Start a conversation with Beam.

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