What Renaissance Dental does

Renaissance Benefits, operating under the legal entity Renaissance Life & Health Insurance Company of America and headquartered in Indianapolis, Indiana, is a private multi-line ancillary and supplemental health insurance carrier. The company sells dental, vision, life, short- and long-term disability, accident, supplemental health (RenSecureHealth), and statutory Paid Family and Medical Leave (PFML) coverage to employer groups, and offers Active Lifestyles bundles, ACA marketplace plans, and Medicare Supplement plans to individuals and families. It also administers the TennCare Medicaid program in Tennessee and offers white-label benefits solutions that allow other carriers and benefits administrators to distribute its products under their own brand. The company is rated "A" (Excellent) by AM Best, operates a nationwide dental network of more than 450,000 access points, and accesses 137,000+ vision access points through VSP, processing over 20 million claims per year with 99% completed within 10 days.

Renaissance distributes through three primary channels: direct-to-consumer online and via support teams for individual and family plans, direct-to-employer sales with dedicated account management for group business, and a broker channel powered by the MyRenXperience portal. Revenue is generated through recurring insurance premiums billed per employee per month for group business and on a monthly subscription basis for individual plans, supplemented by white-label OEM arrangements. The company is privately held under Renaissance Holding Company, with a dedicated New York subsidiary underwriting business in that state. No external funding rounds, M&A activity, or investor composition are disclosed in the available data.

The technology platform centers on RenConnect, an integration layer that simplifies eligibility, enrollment, and billing data exchange between Renaissance and employer HR systems across multiple product lines. This integration platform is paired with purpose-built portals: RenMemberPortal for individual members, MyRenBenefitsManager for group members, RenBenefitsAdmin for employer benefits administrators, and MyRenXperience for brokers. RenSecureHealth, the company's diagnosis-based supplemental health product, pays direct cash benefits for 13,000+ covered injuries and illnesses, typically within days via direct deposit, Venmo, or PayPal. The company also partners with Amplifon to bundle hearing discounts into individual plans.

Name

Renaissance Dental

Legal name

Renaissance Life & Health Insurance Company of America

Website

https://renaissancedental.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Renaissance Benefits is a private multi-line ancillary insurance carrier providing dental, vision, life, disability, supplemental health, accident, and PFML coverage to employers and individuals nationwide, plus Medicaid administration (TennCare) and white-label solutions.

Ownership category

akta.pro rank

Product category

Dental Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Dental Insurance (FSAIAHAA)

akta.pro secondary industries

Combined Dental & Vision Insurance (FSAIAHAC), Employer-Sponsored Dental & Vision (Group) (FSAIAHAH), Group Dental Plans (Employer-Sponsored) (HLAEAIAG), Medicaid/CHIP Dental & Vision Benefits Administration (FSAIAHAK), Individual Dental Insurance (FSAIAEAE), Individual & Family Dental Plans (Exchange/Off-Exchange) (HLAEABAE), Medicare Supplement (Medigap) (FSAIAEAG)

Keywords

• Dental insurance coverage
• Vision insurance plans
• Supplemental health insurance
• Ancillary employee benefits
• Insurance broker portal

Headquarters

HQ city

Indianapolis

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Insurance Premiums (Group): Recurring insurance premiums collected from employers who offer Renaissance group benefits (dental, vision, life, disability, supplemental health, accident, PFML) to their employees. Group plans are customized per employer and typically billed on a per-employee-per-month basis.
2. Insurance Premiums (Individual): Recurring premiums paid by individual consumers for personal coverage including Active Lifestyles plans (dental and vision bundled with hearing discount), ACA marketplace plans, and Medicare Supplement plans.
3. White Label Solutions: Custom white-label benefits solutions sold to other insurance carriers and benefits administrators who want to offer Renaissance's ancillary product suite under their own brand.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Renaissance Benefits (DBA Renaissance Dental) sells and underwrites ancillary and supplemental health insurance products, including dental, vision, life, short- and long-term disability, accident, paid family and medical leave (PFML), and diagnosis-based supplemental health (RenSecureHealth). It distributes individual and family plans (Active Lifestyles bundles, ACA exchange, Medicare Supplement) directly to consumers and group plans to employers through brokers, direct sales, and white-label partnerships, backed by dedicated member, employer, and broker portals and a RenConnect integration platform.

Product overview

Renaissance Benefits offers a comprehensive suite of ancillary and supplemental health insurance products organized as a platform-plus-modules architecture. The core offerings include RenSecureHealth (diagnosis-based supplemental health paying cash benefits for 13,000+ conditions), Dental Insurance, Vision Insurance, Life Insurance, Short- and Long-Term Disability Insurance, Accident Insurance, and Paid Family and Medical Leave Insurance. Individual and family consumers can access Active Lifestyles Plans (bundling dental, vision, and hearing discounts), ACA exchange plans, and Medicare Supplement plans. The company also offers White Label Benefits Solutions for partners. Member-facing portals include RenMemberPortal, MyRenBenefitsManager, and MyRenXperience (broker portal), while employers use RenBenefitsAdmin. The RenConnect integration platform enables data exchange across all product lines for eligibility, enrollment, and billing connectivity. The network spans 450,000+ dental access points and 137,000+ vision access points through VSP.

Differentiator

Problem solved

Functional benefit

Brands

• RenSecureHealth: Diagnosis-based supplemental health coverage that pays direct cash benefits for 13,000+ covered injuries and illnesses
• RenConnect
• RenMemberPortal
• MyRen BenefitsManager
• RenBenefitsAdmin
• MyRenXperience

Products and services

• Dental Insurance Dental coverage with no waiting periods for preventive care such as cleanings and exams, providing access to a nationwide PPO network of 450,000+ dental access points. Sold to individuals and groups.
• Vision Insurance Vision coverage through VSP's national network of 137,000+ independent eye doctors, offering savings on exams, glasses, and contacts. Sold to individuals and groups.
• Life Insurance Group life insurance providing flexible coverage to help employees and their families with financial safety in case of unexpected events. Sold to employers.
• Short- and Long-Term Disability Insurance Income protection coverage for employees unable to work due to illness, injury, or pregnancy, covering both short- and long-term disability options. Sold to employers.
• Accident Insurance Coverage that pays direct cash benefits for unexpected injuries to help employees cover medical bills, household costs, and other essentials. Sold to employers and individuals.
• Paid Family and Medical Leave (PFML) Insurance Statutory coverage in select states to help employers meet paid family and medical leave requirements, providing protected paid time away for qualifying life and medical events. Sold to employers.
• RenSecureHealth Supplemental Health Insurance Diagnosis-based supplemental health coverage that pays direct cash benefits for 13,000+ covered injuries and illnesses, typically paid within days of claim approval via direct deposit, Venmo, or PayPal. Sold to employers and individuals.
• Active Lifestyles Plans Individual and family plans bundling dental and vision coverage with a hearing discount program through Amplifon, providing flexible protection at every stage of life. Sold directly to consumers.
• State Exchange (ACA) Plans Affordable Care Act-compliant health insurance policies available through state exchanges. Sold directly to consumers.
• Medicare Supplement Plans Supplemental coverage designed to help Medicare beneficiaries cover costs not included in standard Medicare plans. Sold directly to consumers.
• State Medicaid Programs (TennCare) Medicaid programs including TennCare in Tennessee, allowing providers to join networks and members to access state-specific ancillary benefits.
• White Label Benefits Solutions Customizable white-label benefit solutions sold to other insurance carriers and benefits administrators who want to offer Renaissance's ancillary product suite under their own brand.

Quantifiable outcome

• 99% of claims completed in 10 days or less, across 20M+ claims processed per year
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Two partnerships are on record, tiered core and supporting.

• VSP Vision CarecoreTechnology or IntegrationRenaissance partners with VSP Vision Care to provide vision coverage through one of the largest national networks of independent eye doctors. VSP provides 137,000+ vision access points for Renaissance members, covering exams, glasses, and contacts. This partnership enables Renaissance to offer bundled dental and vision plans to both group and individual members.
• AmplifonsupportingTechnology or IntegrationRenaissance partners with Amplifon to provide a hearing discount program available to members alongside dental and vision coverage. The program offers savings on hearing devices and services through Amplifon's contracted provider network. This is offered as a discount program (not insurance) through Active Lifestyles plans for individuals and families.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Humana: Humana is a major dental, vision, and Medicare-focused carrier with strong broker distribution, directly competing with Renaissance in individual dental/vision and Medicare Supplement segments.
• Sun Life Financial: Sun Life US (including the DentaQuest dental business) underwrites dental, vision, life, and disability group benefits, directly competing with Renaissance across the full ancillary suite.
• Delta Dental: Delta Dental is the largest US dental insurance carrier with the deepest nationwide dental provider network and broad group dental plan offerings, directly overlapping with Renaissance's core dental insurance and group benefits lines.
• Lincoln Financial Group: Lincoln Financial operates group dental, vision, life, and disability lines that compete head-to-head with Renaissance's ancillary products for employer-sponsored benefits relationships.
• MetLife: MetLife is a major multi-line carrier with substantial group dental, vision, life, and disability books of business, directly competing with Renaissance for the same employer-sponsored ancillary benefits RFPs.
• Guardian Life Insurance: Guardian offers group dental, vision, life, and disability insurance to employers, directly competing in the same ancillary benefits space as Renaissance with similar mid-market and large employer positioning.
• Aflac: Aflac dominates employer-sponsored supplemental health and accident insurance, directly competing with Renaissance's RenSecureHealth and accident insurance offerings in the same broker channel.
• Unum Group: Unum is a leading specialty benefits carrier focused on disability, life, and supplemental health insurance for employers, directly competing with Renaissance's disability, life, and supplemental product lines.

Broad incumbents

• VSP Vision Care: VSP is the nation's largest vision insurance and provider network company and serves as Renaissance's strategic partner for 137,000+ vision access points; it also competes with Renaissance when selling vision plans directly to employers and individuals.
• Aetna (CVS Health): Aetna offers dental, vision, Medicare Supplement, and individual health plans through its CVS Health parent, competing with Renaissance across multiple of its ancillary and individual product lines as a broad incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/renaissance-dental

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Renaissance Dental