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Illinois Retired Teachers Association

Dental & Vision Benefits

Great Coverage at Group Rates

Illinois Retired Teachers Association has negotiated on your behalf to give you access to group rates on insurance coverage, just like your received before retirement!

Dental Plans

  • Choose your own dentist
  • No Waiting Periods
  • Over 400,000 providers to choose from
  • High Yearly Maximums
  • Guaranteed Rates

Vision Plans

  • Choose from thousands of eye doctors
  • One-stop convenience for exams & eyeware
  • Great Benefits and Low Copays
Dental Plans That Fit Your Budget
Man flossing
  • 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
Man flossing
Dental Plan Comparison
Gold
Plan
Essential Coverage
Platinum
Plan
Most Comprehensive
Member Only
$40.41/month
$69.25/month
Member +1
$80.84/month
$138.51/month
Member + Family
$102.05/month
$174.86/month
Deductible
$50.00 per year/person
$100.00 per year/person
(waived for Preventative & 4 services)

Annual Maximums

Gold
Plan
Platinum
Plan
In Network
$1,000.00 per year/person
$1,500.00 per year/person
Out of Network
$1,000.00 per year/person
$1,500.00 per year/person

Rewards

Gold
Plan
Platinum
Plan
Annual Benefit Threshold
$500.00
$750.00
Annual Maximum Benefit
$1,000.00
$1,500.00
Dental Rewards Carry Over
$250.00
$250.00
Year 2 Maximum Benefit
$1,250.00
$1,750.00
Total Maximum Benefit
$2,000.00
$2,500.00

Preventive

Routine Cleanings
Covers 100%
Covers 100%
Routine Oral Exams
Covers 100%
Covers 100%

Basic

Fillings
Covers 70%
80% after year 1
90% after year 2
Covers 80% I.N. (70% O.O.N.)
Sealants
Covers 70%
80% after year 1
90% after year 2
Covers 80% I.N. (70% O.O.N.)
X-Rays (all types)
Covers 70%
80% after year 1
90% after year 2
Covers 80% I.N. (70% O.O.N.)
Crown Repair
Covers 50%
Covers 80% I.N. (70% O.O.N.)
Denture Repair
Covers 50%
Covers 80% I.N. (70% O.O.N.)

Major

Crown Repair
Covers 50%
Covers 80% I.N. (70% O.O.N.)
Crown (all types)
Covers 50%
Covers 50% I.N. (40% O.O.N.)
Denture Repair
Covers 50%
Covers 80% I.N. (70% O.O.N.)
Dentures (all types)
Covers 50%
Covers 50% I.N. (40% O.O.N.)
Root Canal (all types)
Covers 50%
Covers 50% I.N. (40% O.O.N.)
General Anesthesia
Covers 50%
Covers 50% I.N. (40% O.O.N.)
Onlays
Covers 50%
Covers 50% I.N. (40% O.O.N.)
Periodontics (all types)
Covers 50%
Covers 50% I.N. (40% O.O.N.)
Extractions (all types)
Covers 50%
Covers 50% I.N. (40% O.O.N.)

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.)

Ameritas Life
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 December 31st, 2025.
A Vision Plan With A Clear Difference
Man flossing

Get quality coverage on the vision services you need:

  • Thousands of eye doctors nationwide
  • Covers in & out of network
  • Eyeglasses, contact lenses and more
Man flossing

Base Vision Plan

Member Only
$12.72/month
Member +1
$22.30/month
Member + Family
$27.75/month
Exam Copay:
$15
Glasses Copay:
$25
Frames Allowance:
$150
Featured Frames Allowance:
$170
Contacts Allowance:
$150

Quality Coverage With Low Copays

  • WellVision Exam every 12 months with $15 copay.
  • Contact Lens Exam every 12 months
  • Glasses with a $25 copay, 20% savings on additional glasses.
  • Lenses every 12 months: 100% coverage on most
  • Frames every 24 months: up to $170, 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!
    • 100% Coverage On Standard Progressive Lenses
    • 20-25% saving on non-covered lens enhancements such as anti-reflective and UV coating
    • Single Vision, Lined Bifocal, and Lined Trifocal Lenses
  • Find Your Eye Doctor
Plus generous out-of-network reimbursements
  • Exam up to $45
  • Lined Trifocal Lenses up to $65
  • Frame up to $70
  • Progressive Lenses up to $50
  • Single Vision Lenses up to $30
  • Contacts up to $105
  • Lined Bifocal Lenses up to $50

Use the largest independent doctor network in the country plus retailers you know:

Costco Walmart VisionWorks Eyeonic
VSP
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.

Select a Dental or Vision plan to continue.

Need an agent's help?
Call 1-888-698-0972 »
(Mon-Fri 8am-6pm CST)
AFTER HOURS? SEND US YOUR QUESTIONS.

YES, I'd like to learn more about vision and dental plans through IRTA!
Please have a representative contact me.

By providing your information above, you are consenting to receive calls, texts, and emails. You may unsubscribe from email communications by selecting the opt-out option on the bottom of our emails. You may opt-out of text messages by replying STOP. To opt out by phone, you can ask to receive no further calls at any time when contacted by a representative. Limitations and exclusions apply. Please refer to policy details upon further inquiry. Some benefits are not available in every state or to every association.

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