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Member Service Corporation has marketed voluntary group dental insurance since 1980. Second to major medical insurance, dental insurance is one of the most requested insurance benefits in the nation today. There are several different kinds of dental programs, with two of the most popular being "Managed Care" and "Indemnity" dental plans.

1.  Managed Care: A managed care dental plan contracts with specific dental offices to provide substantial benefits to plan members. There are typically no waiting periods, no pre-existing condition exclusions, no annual benefit maximums, no claim forms to file and no deductibles. The plan offers a fixed dollar "co-payment" or fee schedule for each covered dental procedure. Plan members must use a dental office on the approved list.

2.  Indemnity Plan: The indemnity plan allows insureds to use any dentist, including specialists. These plans have a percentage benefit, or in the case of a "schedule" plan, a fixed dollar benefit maximum paid to the dental provider. The biggest advantage of these plans is "freedom of choice". Normal claim forms are filed by the dental office to receive plan benefits.

If you are a member of one of the credit unions listed below, simply click on your credit union logo for a dental enrollment kit. For an updated list of dental offices for the Assurant Benefits Programs, click here. Call MSC at 1-800-537-9035 for any questions.