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AlwaysDental for Individuals: 
Introduction | Plan Designs | Rates and Coverage Regions


AlwaysDentalSM is now available to you as an individual insurance benefit. This program offers coverage for routine twice-annual exams and hundreds of common dental procedures. Also included for you is an annual vision exam performed by a licensed ophthalmologist or optometrist ($35 allowance with no deductible; one visit per year).

Freedom of Choice
Choose any dental provider you want for insured benefits. The plan pays a flat dollar amount per dental procedure based on the fee schedule for your specific region. You can also go to one of the over 73,000 access points ( and generally pay even less. AlwaysDental pays the lesser of the providerís actual charge or the amount listed on the Schedule of Covered Dental Procedures. The vision network provides vision discounts at more than 10,000 locations nationwide (

Easy to Get
If you are age 19 to 64, simply complete the information below and enroll online. Your acceptance is guaranteed!

Flexible and Affordable
We offer many different coverage options: Individual; Individual & Spouse; One-Parent Family; or Two-Parent Family. Plus, you choose the billing option thatís most convenient for you. Premiums are based on your attained age (except in Florida) at each policy anniversary date.

Thereís no guesswork. All you do is present your card and, in most cases, your dentist will submit your claim (or you may send it to us). For preventive care and basic dental services, coverage begins the very first day. No waiting!

To Check Rates and Enroll
Your Date of Birth:
If to be insured
Spouse Date of Birth:
Your Zip Code: Your State
Agent Code:
Agent Name:
Agency Code:
Agency Name:
Download a paper application for:
Starmount Life Insurance Company Policy Form Series IDN-2005
National Guardian Life Insurance Company Policy Form Series NDNIND2005
AlwaysDental for Individuals: 
Introduction | Plan Designs | Rates and Coverage Regions

Customer Service is the key to our business—we strive to be the company that is easy to do business with.

Tooth decay remains the most common chronic disease among children ages 5-17 with 59% affected.1

AlwaysDental gives you the affordable, first class benefits you seek.

Employed adults lose more than 164 million hours of work each year due to dental disease or dental visits.2

120 mental and physical diseases can be detected through the mouth.3

Our Customer Service Staff is available when you need us with extended weekday and Saturday hours.

59% of Americans do not receive regular oral health care.4

1 Issue Briefs on Challenge for the 21st Century: Chronic and Disabling Condition

2 American Hygienist Association, February 2003

3 Jed J. Jacobson, D.D.S., M.S., M.P.H., February 2006

4 Satcher D. Oral health in America: A report by the surgeon general. U.S Department of Health and Human Services. Rockville MD. NIH pub. 2000

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