Beam Benefits: Employee Group Insurance
Dental, Vision, Disability, and Life Insurance
All You Need to Know About Beam Benefits
Beam Benefits (previously Beam Insurance) is a leading digitally-native employee benefits company offering a full portfolio of ancillary employee benefits.
Beam initially set out to modernize dental benefits before expanding to offer a range of dental, vision, life, disability, and supplemental health plans.
Recognized for three years in a row on the Inc.5000 Regionals Midwest list, Beam has raised over $200 million in funding, expanded into 46 states, and continually evolves to meet the demands of modern workforces.
With Beam, employers and employees benefit from an intuitive platform, AI-powered underwriting, and self-service tools that minimize time-consuming paperwork. Beam’s robust network competes with larger carriers, while its innovative wellness rewards and perks programs set it apart from the competition.
Beam Benefits operates at the forefront of employee coverage, simplifying a $100+ billion ancillary benefits market with a digital-first approach.
Digital Integration
Beam’s online platform makes it easy for your HR team to administer benefits.
Plus the intuitive self-service tools and mobile app make it simple for your employees to access their coverage information at any time.
Extensive Provider Network
Beam Benefits offers over 400,000 dental access points and a broad VSP Vision Care network of 38,000+ providers.
This helps members find convenient in-network providers. Reach out to the team for a Network Access Report.
Simplified Enrollment and Management:
Beam’s digital Evidence of Insurability (EOI) process for voluntary life plans reduces paperwork and provides instant coverage decisions, streamlining the enrollment process for both employers and employees.
Beam Benefits: The Plan Options
Beam Benefits offers various dental, vision, life, disability, accident, critical illness, and hospital indemnity plans.
Core employee group benefit plans include:
Dental Plan Options
Plus Plan
100/80/50 coinsurance (Preventive/Basic/Major)
Endodontics and Periodontics covered under Basic services
Adult Orthodontic coverage available
Select Plan
100/90/60/50 coinsurance (Preventive/Basic/Major/Ortho)
High annual maximum
Low deductible
Ultra Plan
100/100/60/50 coinsurance (Preventive/Basic/Major/Ortho)
Highest coverage tier
Up to $5,000 annual maximum
Standard Plan Options
- 100/80/50 coinsurance with a $1,500 annual max
- 100/80/50 coinsurance with a $2,000 annual max and $1,500 child orthodontic coverage
- 100/80/50 coinsurance with a $1,500 annual max and $1,000 child orthodontic coverage
- 100/80/50 coinsurance with a $1,500 annual max and $2,000 child orthodontic coverage
Coverage is available for businesses with as few as two employees, and bundled dental and vision options are available.
Vision Plans
Beam’s vision insurance, in partnership with VSP Vision Care, provides:
- Exams and lenses covered every 12 months
- Frames covered every 12 or 24 months
- $10 exam co-pay
- Up to $200 frame allowance
- Up to $150 elective contact lens allowance
- Discounts on laser vision correction and additional eyewear purchases
- Extensive provider network with over 38,000 vision providers nationwide
Ready to Enroll with Beam Benefits?
Enrolling in Beam Benefits is a simple process with HSA for America. Simply contact one of our Personal Benefits Managers, and we’ll guide you through the process – ensuring you get the right support every step of the way.
Contact an HSA for America Personal Benefits Manager to get started today.
Beam Benefits Plan Features
Feature |
Details |
|---|---|
| Dental Coverage | Plus, Select, Ultra & Standard options. Orthodontic add-ons |
| High Annual Max | Up to $5,000 for dental plans. |
| Vision Coverage | VSP network with 38,000+ providers. |
| Beam Perks | Rewards for healthy habits (Beam Brush, etc.). |
| Self-Service Tools | Beam Member Portal, Beam App for instant access. |
| Value-Added Services | EAP, HealthChampion, ID theft support, travel assistance. |
| Nationwide Availability | Beam is available in 46 states (exclusions may apply). |
Pros and Cons of Beam Benefits
Pros of Beam Benefits
- Comprehensive Coverage: full dental, vision, life, disability, and supplemental health insurance options
- Nationwide Provider Network: over 400,000 dental access points and 38,000 vision providers
- Digital-First Approach: online self-service tools, a mobile app, and easy claims processing
- Beam Perks Rewards Program: earn rewards for good dental habits
- Flexible Plan Customization: options for businesses as small as two employees
- No Composite Downgrades: ensured high-quality dental treatments
- High Annual Maximums: up to $5,000 on dental coverage
Cons of Beam Benefits
- Limited Availability by State: products may not be available in all states
- No Standalone Medical Insurance: specializes in ancillary coverage only
- Orthodontic Coverage Not Standard: ortho coverage only available on certain plans
- Discounts & Rewards Require Engagement: users must actively participate in Beam Perks for benefits
Beam Benefits Frequently Asked Questions
Q: What is Beam Benefits known for?
A: Beam Insurance, now operating as Beam Benefits, is known for offering smart, technology-driven employee benefits with a focus on dental, vision, life, disability, and supplemental health insurance.
Unlike traditional carriers, Beam Benefits integrates digital tools and data-driven insights to simplify benefits management for both employers and employees.
Q: Does Beam Benefits provide medical health insurance?
A: No, Beam Benefits specializes in ancillary benefits, including dental, vision, life, disability, and supplemental health insurance.
They do not offer primary medical health insurance or major medical plans.
However, Beam’s plans can complement traditional health insurance by covering essential benefits that medical insurance does not, such as dental and vision care, disability income protection, and supplemental health benefits.
Q: How do I track and manage my benefits?
A: Beam provides a user-friendly mobile app and online member portal to help members track and manage their benefits in real-time.
Through the Beam Benefits app, available on iOS and Android, members can:
- View their insurance ID card
- Find in-network dentists and vision providers
- Submit and track claims
- Access pre-treatment estimates
- View coverage details and explanation of benefits (EOBs)
- Adjust smart toothbrush settings (for those participating in the Beam Perks program)
Q: Does Beam Benefits cover orthodontic treatment?
A: Yes, some Beam dental plans include orthodontic coverage – however, orthodontic benefits vary by plan:
- Select and Ultra Plans: Include adult and child orthodontic coverage.
- Standard Plans: Some options offer child orthodontic coverage ($1,000-$2,000 lifetime max).
- Higher-tier plans: Provide more extensive ortho coverage with higher annual maximums.
Beam makes orthodontic care more accessible and affordable, especially for families with growing children.
Q: How do Beam’s dental plans compare to other carriers?
A: Beam’s dental plans offer high annual maximums, customizable plan options, and smart wellness integration.
With coverage reaching up to $5,000 per year, Beam offers one of the highest annual maximums in the industry.
Additionally, they include orthodontic options, no composite downgrades, and an extensive nationwide provider network with over 400,000 access points.
Q: Can my employees use their own dentist with Beam Benefits?
A:Yes, Beam Benefits allows members to use any dentist of their choice, but choosing an in-network provider ensures lower out-of-pocket costs.
Beam’s nationwide network includes over 400,000 dental access points, making it comparable to major national carriers. While out-of-network providers may still be covered, reimbursement levels can vary, and members may be responsible for balance billing.
Q: Does Beam Benefits offer vision coverage?
A:Yes! Beam Vision Insurance is provided in partnership with VSP Vision Care, one of the largest vision networks in the U.S. Beam’s vision plans include:
- Comprehensive eye exams and lenses covered every 12 months
- Frames covered every 12 or 24 months
- $10 exam co-pays
- Up to $200 frame allowance
- Up to $150 for elective contact lenses
- Discounts on laser vision correction
With over 38,000+ VSP providers nationwide, members have access to high-quality vision care at an affordable cost.
Q: What is Beam Perks, and how does it work?
A: Beam Perks is an exclusive rewards program that incentivizes good dental hygiene habits.
Members receive a smart electric toothbrush (Beam Brush), which syncs with the Beam Benefits app to track brushing activity. The more consistently a member brushes, the more rewards they can earn. These rewards include:
- Discounts on dental supplies
- Gift cards and special offers
- Potential for lower premiums for groups with positive engagement
We’ve helped over 16 thousand people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
Lou (Personal Benefits Manager) made me feel comfortable with the new concept of Health Sharing by being himself, honest, and sharing his own experiences.
Neil DeFrancisco, MD
Mike Montes (Personal Benefits Manager) is my go-to referral for my clients.
Daniel DuBois, TN
Misty Berryman (Personal Benefits Manager) was fantastic to work with! I explained our situation/needs to her and she went through a number of options very thoroughly. We (Misty and I) worked through each of our options and determined the best path forward for my family. She is the best and any time we are in need for insurance, she will be our first call!
Travis Lawler, TX
The process of how everything went through the process and with Leslie (Personal Benefits Manager) was great! Things went smoothly and promptly, and all the information I needed was construed concisely.
Ted Chiero, WI
Whitney Kline (Personal Benefits Manager) was amazing and went far above my expectations in customer service. She answered every question and so far everything has been just like she said it would be!!! thank you
Wendy Skeesick, LA
We’re Here to Help!
HSA for America can offer you free and professional advice so you can make the best choice possible regarding your health care plan. Your Personal Benefits Manager is available to answer any questions about Beam Insurance, ultimately maximizing the amount of money you can save annually while truly understanding the type of health care you will receive.
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Contact Information:
1001-A E. Harmony Rd #519 Fort Collins, CO 80525
800-913-0172
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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.