The BEST Life Group Products Portfolio

Not all clients are the same or have the same needs, which is why BEST Life offers a portfolio of flexible PPO and Indemnity insurance products. With a wide range of products to choose from, we’re sure there is a product to meet your company’s needs.

To learn more, click on the insurance of your choice:

1. Dental
2. Medical
3. Group Term Life
4. Vision
5. Medical Stop Loss

Dental Products

BEST Life’s PPO and indemnity dental products are available for groups as small as 2 employees enrolling. Both products offer dental plans as employer-paid or voluntary and employers can choose from a selection of national or regional networks.

BEST Life PPO Dental

These dental plans have in-network incentives (i.e. higher in-network benefits) and give members the freedom to choose any dental provider of their choice along with the cost-savings advantage of network participation. Employers can choose from a variety of basic to rich plan design options. Child and adult orthodontia is also available.

This product is sold in AZ, CA, DC, FL, IL, IN, MD, MI, MO, NE, NV, OH, TX and UT.

IndemnityPlus Dental

IndemnityPlus is BEST Life’s passive PPO product that works like an indemnity plan. The same benefit levels apply in or out-of-network and members can take advantage of out-of-pocket savings when they receive care from a network dental provider. Basic and rich plan designs are also available along with child and adult orthodontia.

This product is available in AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, ID, IL, IN, KS, KY, LA, MD, MI, MS, MO, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA and WY.

BEST Life Topaz Dental PPO & Indemnity Plans

These dental plans offer the right blend of choice and cost-savings features. Employers may choose from a set of indemnity or PPO plans.

PPO plans have in-network incentives (i.e. higher in-network benefits) and offer members greater cost-savings when services are provided by a network dentist. Our Indemnity plans offer the same in and out-of-network benefits and give members the freedom to choose any dental provider of their choice along with the cost-savings advantage of network participation.

This product is sold in UT only.

MEDICAL Plans

BEST Life offers three medical plans for groups with 2 to 50 employees enrolling in select states:

Health Solutions II

For those who like traditional PPO medical plans, our “Build Your Own” format gives you the choice to select the options you want:

1. Broad range of deductible, co-pay, coinsurance and out-of-pocket maximum combinations;
2. Preventive care benefits with buy-up options available;
3. CareMark prescription drug coverage with the choice of 3-tier co-pay and deductible options or Discount only.

Health Solutions - High Deductible Health Plans

Our High Deductible Health Plan (HDHP) can be purchased alone or it can be paired with a Health Savings Account for significant tax savings. HDHP members can use any bank to open a Health Savings Account and can take advantage of tax benefits, ease of payment, and online account administration.

BEST Life Medical plans are sold in AZ, GA, ID, IL, IN, MO, NV, OH, OK, TN, TX and UT.

LIFE PRODUCTS

We offer employer-contributory and voluntary Group Term Life plans:

BEST Life Gold

Employer-contributory Group Term Life for groups with 10 or more enrolling:

1. Optional coverage includes Accidental Death & Dismemberment, Dependent and Supplemental Life benefits;
2. Crticial Illness, Cancer Care, Daycare and Repatriation of Remains available;
3. Seat Belt, Airbag and Accelerated Death benefits included;
4. Individuals can increase coverage for themselves, or include insurance for their children;
5. Guarantee issue amounts are based on total group volume; and
6. 2-year rate guarantee and discounts are available for preferred industries.
7. Currently available in AK, AL, AR, AZ, CA, CO, DC, GA, HI, ID, IL, IN, KS, KY, MI, MS, NE, NM, NV, OH, OK, SC, SD, TN, TX, UT and WY. Additional states pending approval.

Essential Group Life

A group term life plan for groups with 2 or more employees enrolling

1. Optional AD&D, Dependent and Supplemental Life
2. Individuals can increase coverage for themselves, or include insurance for their children
3. Guarantee issue amounts are based on total group volume
4. 2-year rate guarantee and discounts are available for preferred industries
5. Essential Group Term Life is available in FL, LA, MD, MO, MT, NC, ND, OR, VA and WA.
6. Voluntary policies available upon request.

BEST Life Silver

Offered as stand alone for grousp with ten or more, or for groups with 2 or more if purchased in conjunction with any other BEST Life plan. 

1. Guarantee issue based on age and group participation;
2. Optional Accidental Death & Dismemberment (AD&D) benefit available for employees only;
3. Seat Belt and Airbag benefit included with AD&D;
4. Accelerated Death benefit included with basic coverage; and
5. Supplemental Life available for employees and dependents who want to increase coverage.
6. Currently available in AK, AL, AR, AZ, CA, CO, DC, GA, HI, ID, IL, IN, KS, KY, MI, MS, NE, NM, NV, OH, OK, SC, SD, TN, TX, UT and WY. Additional states pending approval.

BEST LIFE BRONZE

This Group Term Life plan is designed for employer-contributory groups with 2 to 9 employees enrolling.

1. Optional Accidental Death & Dismemberment (AD&D) benefit available for employees only; and
2. Supplemental Life available for employees and dependents.
3. Currently available in AK, AL, AR, AZ, CA, CO, DC, GA, HI, ID, IL, IN, KS, KY, MI, MS, NE, NM, NV, OH, OK, SC, SD, TN, TX, UT and WY. Additional states pending approval.

VISION PLANS

We offer Vision PPO plans and a true indemnity vision plan:

Access Vision

1. Indemnity vision plan
2. Employer-paid and voluntary available
3. No ineligible, loaded industries or waiting periods
4. Access care from any licensed ophthalmologist or optometrist
5. Flexible deductible, allowances and frequency options
6. Contacts in lieu of OR in addition to frames and lenses
7. EyeMed Discount Plan optional

BEST Life Vision PPO Plan

1. Network access to over 21,000 locations nationally
2. Contact lenses in lieu of eyeglass lenses
3. Frames allowance available in addition to contact lenses
4. Access to care includes optometrists, ophthalmologists, opticians, private practices and many leading optical retailers including LensCrafters, Target Optical, Sears Optical, JC Penny Optical and most Pearle Vision locations
5. 15% off retail price for Laser Vision Correction included
6. Materials Only plans available upon request

BEST Life's vision plans are available in AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, ID, IL, IN, KS, KY, LA, MD, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA and WY.



MEDICAL STOP LOSS

Need protection for your self-funded benefits program? BEST Re can help by providing you with medical stop loss products and services that best fit your needs. To learn more about BEST Re, click here.