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Enroll in Affordable Dental
& Vision plans from PFRO
& Vision plans from PFRO
Use your doctor or save up to 50% in-network
400,000 dental & 36,000 vision providers in-network
Yearly maximums up to $2,500.00
No waiting periods on covered services
ENROLL NOW
Your Teeth & Eyes
Will Say Thanks!
Will Say Thanks!
Police & Fire Retirees of Ohio, Inc. (PFRO) knows Police And Fire Retirees 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
Gold Plan
Essential Coverage
Platinum Plan
Most Comprehensive
Member Only
$36.56/month
$52.32/month
Member +1
$73.69/month
$105.48/month
Member + Family
$123.50/month
$176.84/month
Deductible
$75.00 per year/person
$75.00 per year/person
(waived for Preventative 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
$500.00
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
X-Rays (bitewing)
Covers 100% I.N. (80% O.O.N.) (bitewing)
Covers 100% (bitewing)
Routine Cleanings
Covers 100% I.N. (80% O.O.N.)
Covers 100%
Routine Oral Exams
Covers 100% I.N. (80% O.O.N.)
Covers 100%
Basic
Denture Repair
Covers 80% I.N. (60% O.O.N.)
Covers 80%
Fillings
Covers 80% I.N. (60% O.O.N.)
Covers 80%
General Anesthesia
Covers 80% I.N. (60% O.O.N.)
Covers 80%
X-Rays (panoramic)
Covers 80% I.N. (60% O.O.N.) (panoramic)
Covers 80% (panoramic)
Major
Crown Repair
Covers 50%
Covers 50%
Crown (all types)
Covers 50%
Covers 50%
Dentures (all types)
Covers 50%
Covers 50%
Root Canal (all types)
Covers 50%
Covers 50%
Implants
Covers 50%
Covers 50%
Oral Surgery
Covers 50%
Covers 50%
Periodontics (all types)
Covers 50%
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.)
This highlight is not a certificate of insurance or a guarantee of coverage. Premium rates may change upon renewal and can be adjusted for the entire group or a specific class. A class is defined
in the group policy. Benefits are subject to change upon agreement between the carrier and the participating organization. The policy is renewable at the option of the insured.
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
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!
- 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:
This highlight is not a certificate of insurance or a guarantee of coverage. Premium rates may change upon renewal and can be adjusted for the entire group or a specific class. A class is defined
in the group policy. Benefits are subject to change upon agreement between the carrier and the participating organization. The policy is renewable at the option of the insured.
PFRO’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.