Welcome to Beam Benefits,
RRTL, Inc.
In partnership with your company, we are pleased to offer the following plan education and benefits decision tools to help you better understand and select your benefits.
Get to know the benefits
available to you
Click on the icons below to access your customized benefits summaries and learn more about your plan's details.
Need help choosing your benefits?
Take our short quiz to see which benefits are best for you
Smile brighter
Your plan includes access to the Beam Perks* program where you can earn rewards# for simply brushing your teeth!
Access to a broad network of dentists throughout the country (500,000+ access points¶)
Covered cleanings, preventive care, and diagnostics for members§
An electric toothbrush that rewards you for consistent brushing habits
Your wellness is rewarding
Beam members can earn rewards for consistent wellness habits. Earn products from the Beam shop and gift cards from your favorite brands.
Benefits you can see clearly
We’ve partnered with VSP® Vision Care to extend vision coverage beyond the basics.
Eye exams and lenses covered every 12 months
Frames covered every 12 months
Access to vision providers across the US at 115,000+ access points∮
Your coverage questions answered
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. 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
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.
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. Refer to your dental insurance card for live networks in your state.
Access points and providers based on data provided by VSP for the VSP Choice Network as of February 2024.
Please see plan documents for services that are considered Preventive and Diagnostic.
Services are offered through vendors which are not affiliated with Beam Benefits and these services are not insurance. Beam Benefits is not responsible and assumes no liability for the goods and services and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states. Value add services not available in all states.
VSP and VSP Choice Plan are registered trademarks of Vision Service Plan. All other brands or marks are the property of their respective owners. ©2024 Vision Service Plan. All rights reserved.