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Enroll in Affordable Dental
& Vision plans from NCRGEA
& Vision plans from NCRGEA
Use your doctor or save up to 50% in-network
400,000 dental & 36,000 vision providers in-network
Yearly maximums up to $3,200.00
No waiting periods on covered services
ENROLL NOW
Your Teeth & Eyes
Will Say Thanks!
Will Say Thanks!
North Carolina Retired Governmental Employees' Association (NCRGEA) knows Retired Government Employees like you. AMBA knows insurance. Together we can provide you with the dental and vision plans you need to keep your teeth and eyes healthy now and for years to come.
Dental Plans That Fit Your Budget
- Keep your dentist or choose an In-Network dentist and save
- Over 400,000 providers to choose from, whether home or away
- No waiting period on covered services – get access right away
- Covers exams, cleanings, fillings, crowns, implants, and more
- High annual maximum that can increase after one year
Dental Plan Comparison
Choice Plan
Freedom Plan
Member Only
$40.09/month
$53.01/month
Member + Spouse
$96.08/month
$119.30/month
Member + Associate
$80.19/month
$106.03/month
Member + Children
$78.32/month
$82.58/month
Member + Family
$133.16/month
$148.38/month
Deductible
$25.00
$25.00
Annual Maximums
Choice Plan
Freedom Plan
In Network
$1,200.00 per year/person
$2,000.00 per year/person
Out of Network
$1,200.00 per year/person
$2,000.00 per year/person
Rewards
Choice Plan
Freedom Plan
Annual Benefit Threshold
$500.00
$750.00
Annual Maximum Benefit
$1,200.00
$2,000.00
Dental Rewards Carry Over
$250.00
$400.00
Year 2 Maximum Benefit
$1,450.00
$2,400.00
Total Maximum Benefit
$2,200.00
$3,200.00
Preventative
Routine Cleanings
Covers 100%
Covers 100%
Routine Oral Exams
Covers 100%
Covers 100%
Basic
Crown Repair
Covers 50%
70% after year 2
60% after year 1
70% after year 2
60% after year 1
Covers 60%
80% after year 2
70% after year 1
80% after year 2
70% after year 1
Denture Repair
Covers 50%
70% after year 2
60% after year 1
70% after year 2
60% after year 1
Covers 60%
80% after year 2
70% after year 1
80% after year 2
70% after year 1
Extractions
Covers 50%
70% after year 2
60% after year 1 (simple)
Covers 50% (complex)
70% after year 2
60% after year 1 (simple)
Covers 50% (complex)
Covers 60%
80% after year 2
70% after year 1 (simple)
Covers 50% (complex)
80% after year 2
70% after year 1 (simple)
Covers 50% (complex)
Fillings
Covers 50%
70% after year 2
60% after year 1
70% after year 2
60% after year 1
Covers 60%
80% after year 2
70% after year 1
80% after year 2
70% after year 1
X-Rays (all types)
Covers 50%
70% after year 2
60% after year 1
70% after year 2
60% after year 1
Covers 60%
80% after year 2
70% after year 1
80% after year 2
70% after year 1
Major
Crown (all types)
Covers 50%
Covers 50%
Dentures (all types)
Covers 50%
Covers 50%
Root Canal (all types)
Covers 50%
Covers 50%
Extractions
Covers 50%
70% after year 2
60% after year 1 (simple)
Covers 50% (complex)
70% after year 2
60% after year 1 (simple)
Covers 50% (complex)
Covers 60%
80% after year 2
70% after year 1 (simple)
Covers 50% (complex)
80% after year 2
70% after year 1 (simple)
Covers 50% (complex)
General Anesthesia
Covers 50%
Covers 50%
Periodontics
Covers 50%
Covers 50%
Implants
Not Covered
Covers 50%
Use your current dentist OR Save 25-50% with a dentist in our network.
Find a dentist
(note: Enter zip, select city & state, and Classic PPO network.)
Details may vary based on start date. Please note it may take 10-15 days to process your enrollment. You will receive a ‘welcome to the program’ letter which will include your group number and carrier
details. Please consult your policy as the final ultimate source of covered services and program details.
Rates valid through February 28th, 2025.
Rates valid through February 28th, 2025.
A Vision Plan With A Clear Difference
Get quality coverage on the vision services you need:
- Thousands of eye doctors nationwide
- Covers in & out of network
- Eyeglasses, contact lenses and more
Standard Vision Plan
Exam Copay:
$10
Glasses Copay:
$10
Frames Allowance:
$130
Featured Frames Allowance:
$130
Contacts Allowance:
$120
Quality Coverage With Low Copays
- WellVision Exam every 12 months with $10 copay.
- Contact Lens Exam every 12 months
- Glasses with a $10 copay, 20% savings on additional glasses.
- Lenses every 12 months: 100% coverage on most
- Frames every 24 months: up to $130, then 20% off
- Up to 30% savings on anti-reflective & UV coating
- Additional Savings: 20% savings on additional glasses, 15% savings on contact lens exam, contact lens rebates and more!
- Find Your Eye Doctor
Plus generous out-of-network reimbursements
- Exam up to $39
- Lined Trifocal Lenses up to $64
- Frame up to $64
- Progressive Lenses up to $48
- Single Vision Lenses up to $34
- Lined Bifocal Lenses up to $48
Details may vary based on start date. Upon enrollment you will receive a ‘welcome to the program’ letter then you will receive your full policy documents and ID
cards. Please consult your policy as the final ultimate source of covered services and program details.
NCRGEA’s TRUSTED PROVIDER OF INSURANCE: AMBA
AMBA specializes in providing retired educators and other public employees with quality coverage at competitive rates. We partner with more than 70 associations in 35 states and hundreds of thousands of members.