Antrim Insurance Solutions: Protect What Matters Most
Comprehensive coverage tailored to your needs - dental, critical illness, and accident protection all in one place. Get the financial security and peace of mind you deserve with our expert insurance solutions.
Our Comprehensive Insurance Products
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Complete Protection
Financial security for life's challenges
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Critical Illness Coverage
Financial support during serious conditions
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Accident Protection
Coverage for unexpected injuries
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Dental Insurance
Caring for your oral health needs
At Antrim Insurance, we understand that different life events require different types of protection. That's why we offer three comprehensive insurance solutions designed to provide financial security when you need it most. From routine dental care to unexpected accidents or critical illnesses, our coverage options ensure you're prepared for whatever life brings your way.
Antrim Dental Insurance: Protect Your Smile
Preventive Care Coverage
100% coverage for routine cleanings, exams, and x-rays with network providers, ensuring your smile stays healthy year-round without additional out-of-pocket expenses.
Basic & Major Services
80% coverage for basic care like fillings and extractions, plus 50% coverage for major procedures including crowns, bridges, and dentures after a 12-month waiting period.
Flexible Annual Maximums
Choose from $1,000, $2,000, or $5,000 annual maximum benefits to match your dental needs and budget, with affordable deductibles of just $50 for basic and $100 for major services.
Vision & Hearing Benefits
Enjoy additional coverage for vision ($200 max per 2 years) and hearing services ($500 max per year), both with an $50 deductible and 80% coverage rate.
Exclusive Association Benefits with Dental Coverage
Health & Wellness Resources
Access comprehensive online coaching, personalized fitness plans, and nutrition guidance to maintain your overall wellbeing beyond dental health.
Financial Assistance Tools
Take advantage of student loan refinancing options, budgeting tools, and financial planning resources to improve your financial health.
Identity & Legal Protection
Rest easy with identity theft monitoring services and significant discounts on legal services when you need professional assistance.
Medical Discount Programs
Save up to 95% on prescriptions and receive substantial discounts on additional vision and hearing services beyond your standard coverage.
Dental Plan Limitations & Exclusions
Cosmetic Procedure Exclusions
Our dental plans do not cover procedures that are primarily cosmetic in nature, including teeth whitening, veneers for cosmetic purposes, and other elective aesthetic treatments that aren't medically necessary.
Pre-existing & Waiting Period Conditions
Major dental work requires a 12-month waiting period before coverage begins. However, our Takeover Benefit can reduce this waiting period based on your prior dental coverage, ensuring more continuous protection.
Geographic & Provider Restrictions
Coverage is limited to providers within our network for maximum benefits. Out-of-network services are covered at a reduced rate. International coverage is only available for emergency dental situations while traveling.
Annual Benefit Limitations
All plans have annual maximum benefit caps ($1,000, $2,000, or $5,000 depending on your selected plan). Once this maximum is reached, additional expenses within the same plan year will be your responsibility.
Critical Illness Insurance: Financial Support When You Need It Most
$10,000
Basic Benefit
Our entry-level critical illness plan provides substantial financial protection for covered conditions.
$20,000
Enhanced Benefit
Double the coverage for greater peace of mind and financial security during difficult times.
100%
Lump Sum Payment
Receive your full benefit amount upon first diagnosis of a covered critical illness.
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Usage Restrictions
No restrictions on how you use your benefit payment - medical bills, mortgage, or daily expenses.
Antrim Critical Illness Insurance provides a crucial financial safety net when facing serious medical conditions. The lump-sum benefit is paid directly to you upon first diagnosis, giving you the freedom to use the funds however you need - whether for medical expenses not covered by traditional health insurance, to replace lost income, or to maintain your lifestyle during recovery.
Comprehensive Critical Illness Coverage
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Cardiovascular Conditions
Full coverage for heart attacks, strokes, coronary artery bypass surgeries, and other serious heart conditions that may require extensive treatment and recovery time.
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Cancer Diagnosis
Benefits paid upon diagnosis of invasive cancer, providing financial support when you need to focus on treatment rather than financial concerns.
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Organ Failure
Coverage for kidney failure requiring dialysis, major organ transplants, and other serious organ-related medical conditions.
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Neurological Conditions
Protection for paralysis, severe brain damage, and other serious neurological conditions that may impact your ability to work and live normally.
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Severe Burns
Financial support for third-degree burns covering a significant portion of the body, helping with specialized treatment costs.
Critical Illness Plan Details & Eligibility
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Application & Approval
Simple application process with no medical exam required for most applicants. Multiple payment options available including credit cards and convenient bank drafts.
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Waiting Period
90-180 day waiting period applies before full benefits are available for newly diagnosed conditions, protecting against adverse selection.
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Claim Process
Straightforward claim submission with documentation from your medical provider confirming first diagnosis of a covered condition.
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Benefit Payment
Lump sum payment sent directly to you, not your medical providers, giving you complete control over how funds are used for your care and expenses.
Critical Illness Limitations & Exclusions
Pre-existing Conditions
Conditions diagnosed or treated within 12 months prior to your policy effective date are not covered during the first 12 months of coverage, ensuring fair risk distribution among all policyholders.
Age-Related Benefit Reductions
Benefits reduce by 50% at age 65, reflecting increased health risks associated with aging while still providing valuable protection for seniors.
Non-Covered Activities
Conditions resulting from self-inflicted injuries, illegal activities, substance abuse, or extreme sports are not covered under the policy terms.
Geographic Limitations
No coverage for procedures performed outside the United States, except those performed at U.S. military bases, ensuring quality care standards are maintained.
Accident Protection Insurance: Coverage for Life's Unexpected Moments
Accidental Death Benefits
$10,000 lump-sum payment to beneficiaries in the unfortunate event of accidental death, providing financial security to loved ones during a difficult time.
Dismemberment Coverage
Up to 100% of the principal sum for serious injuries including loss of limbs, sight, speech, or hearing, helping manage life after significant physical changes.
Total Disability Benefits
Weekly payments of $100-$250 when you're unable to work due to a covered accident, helping maintain financial stability during recovery.
Medical Expense Coverage
$500-$5,000 for accident-related medical expenses including hospital stays, ambulance services, emergency care, and necessary surgeries.
Accident Protection Plan Advantages
No Medical Exam Required
Unlike many insurance products, our Accident Protection plan doesn't require a medical examination to qualify. This means faster approval and less hassle for you when applying for coverage that could prove essential in an emergency situation.
Direct Benefit Payments
Benefits are paid directly to you or your designated beneficiaries, not to medical providers. This gives you complete control over how to use the funds, whether for medical bills, daily expenses, or other financial needs during your recovery period.
Complementary Coverage
Our Accident Protection Insurance works alongside your existing health insurance, helping to cover deductibles, copays, and other expenses that traditional health insurance might not fully address after an accidental injury.
Accident Protection Benefit Schedule
Accident Protection Limitations & Exclusions
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Claim Filing Period
All claims must be filed within 60 days of the accident. Late claims may be denied regardless of merit, ensuring prompt reporting and efficient claims processing.
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Disability Benefit Duration
Weekly disability benefits are limited to a maximum of 6 weeks per accident, designed to help during initial recovery rather than as long-term disability coverage.
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Excluded Activities
Injuries resulting from sickness, intentional self-harm, illegal activities, professional or extreme sports, and drug/alcohol use are not covered under policy terms.
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Pre-existing Conditions
Accidents that aggravate pre-existing conditions may have limited coverage, as the policy is designed primarily for new injuries rather than complications of existing issues.
Get Started with Antrim Insurance Today
Ready to secure comprehensive protection for yourself and your loved ones? Our team is standing by to answer your questions and help you find the perfect coverage combination. Whether you need dental insurance, critical illness protection, accident coverage, or all three, we'll guide you through the options and enrollment process. Contact us today to take the first step toward greater peace of mind.
Important Plan Disclosure
Not A Contract
This presentation provides a brief overview of coverage options. It is not a binding contract of insurance.
State Variations
Plan limitations and exclusions may vary by state. Your specific benefits depend on your location.
Certificate Priority
Your certificate of insurance contains complete details. Always refer to official documentation for final terms.
We believe in transparency. Our specialists will review all limitations before you enroll, ensuring you fully understand your coverage.