Beam BenefitsStretchDollar

Dental, vision, and life coverage built for small groups

Round out your benefits with dental, vision, and life from Beam Benefits. One enrollment, one bill, and one dedicated support team from quote through enrollment.

Request a quote
Smiling family at home
BUILT FOR SMALL BUSINESS

Coverage for groups with as few as two employees

Minimum participation requirements often keep small businesses from offering ancillary benefits. With Beam, more small groups can qualify for dental, vision, and life coverage. Our purpose-built technology and dedicated support reduce administrative drag across quoting, enrollment, and plan administration, making strong benefits more straightforward to implement and more manageable to maintain.

Dental

Rich plans with tools that help members find care and use their benefits.

2
eligible employees minimum to qualify
●
No waiting periods
●
Implant coverage available
●
Coverage for missing teeth†

Vision

Accessible eye care through Beam’s partnership with VSP® Vision Care.

2
eligible employees minimum to qualify
●
Exams and lenses covered every 12 months
●
Up to $200 frame allowance every 12 months
●
2-year rate lock on all vision plans

Basic life

Financial protection for employees and their families.

2
unrelated lives minimum to qualify
●
AD&D included with basic life
●
Guaranteed issue with no medical exam
●
Value-added services: travel assistance, ID theft support, estate planning, and digital vault services1
BEAM STARTER PACKS

Three essential benefits, one streamlined process

Beyond medical coverage, dental, vision, and life all rank among the top five benefits that employers expect employees to value and that employees say they value most.2 Beam’s Starter Packs bring all three together in ready-to-implement plan designs.

CHOOSE YOUR PACK
Core Pack
DENTAL, VISION, LIFE
DENTAL
Preventive care
100%
Basic services
Endodontics, Periodontics, Oral surgery
80%
Major services
50%
Annual maximum
$1,000
Deductible (ind.)
$50
Orthodontia
Not included
VISION
Eye exam copay
$10
Materials copay
$10
Frame & contacts allowance
$200
Frequency
12/12/12
LIFE
Basic term life
$50,000
AD&D included
Yes
Guaranteed issue
No exam
Benefit reduction
Age 65+
Plus Pack
DENTAL, VISION, LIFE
DENTAL
Preventive care
100%
Basic services
80%
Major services
Endodontics, Periodontics, Oral surgery
50%
Annual maximum
$1,500
Deductible (ind.)
$50
Orthodontia
Covered
(Lifetime Max of $1,000)
VISION
Eye exam copay
$10
Materials copay
$10
Frame & contacts allowance
$200
Frequency
12/12/12
LIFE
Basic term life
$50,000
AD&D included
Yes
Guaranteed issue
No exam
Benefit reduction
Age 65+
Premier Pack
DENTAL, VISION, LIFE
DENTAL
Preventive care
100%
Basic services
80%
Major services
Endodontics, Periodontics, Oral surgery
50%
Annual maximum
$2,000
Deductible (ind.)
$50
Orthodontia
Covered
(Lifetime Max of $1,000)
VISION
Eye exam copay
$10
Materials copay
$10
Frame & contacts allowance
$200
Frequency
12/12/12
LIFE
Basic term life
$100,000
AD&D included
Yes
Guaranteed issue
No exam
Benefit reduction
Age 65+
HOW IT WORKS

Getting started takes three steps

1

Request a quote

Complete the form below with the company name, SIC code or nature of business, number of eligible employees, zip code, and state.

2

Receive your proposal

Your Beam Strategic Partnerships Executive sends a branded, ready-to-implement proposal based on the pack you select.

3

Implement with Beam

Your Beam Strategic Partnerships Executive will guide enrollment and implementation, with one point of contact throughout.

FROM SIGNATURE TO ENROLLMENT
Sign once with BeamSign

Execute plan documents for multiple lines of coverage with a single signature.

Quick setup

Implementations are processed in less than 2 business days, on average.3

Enroll your way

Use Lighthouse, a census upload, a file feed, or BeamElect, Beam’s guided digital enrollment experience.

Plus, ongoing plan administration is managed in one place, Lighthouse.

REQUEST A QUOTE

Start your quote today

WHAT YOU’LL NEED
Company name
Company SIC code or nature of business
Number of eligible employees
Company zip code and state
Questions?

Email us at stretchdollar@beambenefits.com

Please note: Your ICHRA benefit cannot be applied to group dental, vision, or life insurance plans offered by your employer. These group ancillary benefits are separate from your ICHRA.

† When replaced within 12 months of extraction. Limitations and exclusions apply.

¹ 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 described in this material 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-added services not available in all states.

² LIMRA and EY, Harnessing Growth in Workforce Benefits: The Next Horizon, 2025 Workforce Benefits Study.

³ Average implementation time frame based on internal data and dependent on the submission of complete and accurate data entry and broker approval.

Dental and vision insurance products underwritten by NGL Insurance Company (NGL), Madison, WI, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA). Group dental policy form number NDNGRP 2020 and group 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, NH, NC (dental only) 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.

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

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

Insurance products described here are underwritten and issued by the insurance companies identified above. These products are not underwritten, issued, or guaranteed by Principal Life Insurance Company or by any other member of the Principal Financial Group.

NGL Insurance Company, Nationwide Life Insurance Company, Vision Service Plan, Vision Service Plan Insurance Company, Hartford Life and Accident Insurance Company, and California Dental Network, The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life are not affiliated with Principal Financial Group, Inc. or any of its member companies including Beam Insurance Services LLC or Beam Insurance Administrators LLC.

Principal Life Insurance Company is a member of Principal Financial Group, 711 High Street, Des Moines, IA 50392

NGL 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

Hartford Life and Accident Insurance Company, 1 Hartford Plaza, Hartford, CT 06155

Beam declares no affiliation, sponsorship, nor any partnerships with any company mentioned.

Benefits may vary by state.

NSM-0730AO

BM-WEB-111-202610

Contact Beam

Start a conversation with Beam.

Thank you!
Your submission has been received!
Oops! Something went wrong while submitting the form.
Already contacted support about this issue? Please include the reference number here
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.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Want to talk over the phone?
Give us a call at 1-800-648-1179.