Eye and oral health have significant impact on medical costs and overall quality of life. BrightBenefits offers tailored benefit products, namely dental and vision insurance, for private employers. BrightSmile for groups offers a variety of plan designs and uses one of the country's largest networks, featuring over 283,000 practicing locations. The BrightVision suite; BrightVision, Expanded and Essential); maximizes the strengths of nationally-recognized networks, providing members plenty of options, remarkable choice in providers and family-friendly out-of-pocket costs on eye care and eyewear.



Jump to...
 ▼  BrightSmile group dental
 ▼  BrightVision
 ▼  Member extras (non-insured benefits)
 ▼  Corporate structure and rating



BrightSmile for groups

The BrightSmile group dental product delivers savings through a variety of plan designs built to meet demand, with customized options available. It uses one of the country's largest networks, featuring over 283,000 practicing locations (353,000+ access points)* through the popular Maximum Care PPO plus Connection Dental Network from Careington, a combination of Care PPO, Care Platinum PPO, DenteMax and Connection Dental Network.
*January, 2021 

Creative dental product solutions for today’s market like our popular Value Plan and PPO/MAC Hybrid Plan.

Max rollover, allowing your calendar max to grow over time, with one preventative exam.

Plan customization and flexibility to move procedures between preventive, basic and major services.



BrightVision for groups

BrightBenefits offers more than a dozen plan designs across three (3) networks – BrightVision, powered by Davis Vision; BrightVision Expanded, powered by Superior Vision; and BrightVision Essential, powered by Vision Service Plan (VSP). We have carefully designed our vision plans to maximize the strengths of these nationally-recognized entities, providing members options with remarkable choice in eye care providers and family-friendly out-of-pocket costs on eye care and eyewear.  

powered by Davis Vision

Features fully-covered frames in every plan, and incredibly low member out-of-pocket costs.

BrightVision Expanded
powered by Superior Vision

Offers one of the largest networks with many popular retailers in-network, like LensCrafters®.

BrightVision Essential
powered by VSP® Vision Care

Emphasizes care with many in-network independents and member features like the Diabetic Eyecare Plus Program.



Member extras

BrightBenefits has built relationships that add value to group insurance products. While not insured benefits, members have access to discounts and savings on LASIK services and products, as well as a complimentary Everplan subscription.

Laser vision correction
LCA Vision offers BrightBenefits members deep discounts and special promo offers on LASIK procedures, like 15% off standard laser vision at participating providers, and 5% off promotional prices at LASIK at LasikPlus® locations, plus a free LASIK exam.
Learn more... 

Life. Organized.
With a complimentary Everplans subscription, members can organize and securely store life’s most important information, so it is safe and easy to get to in an emergency. From personal finances and insurance policies, to passwords and family recipes, an Everplans subscription helps organize life's details for yourself and the people you love most.

Discounts, promotions and benefits are not insured. Limitations and exclusions apply. Ask a BrightBenefits representative for information and details.



Corporate structure and rating

BrightBenefits was established in 2019 through a joint investment between National Guardian Life Insurance Company (NGL) and Insurance Capital Group (ICG), now a BainCapital company, and is governed by a Board of Directors with representation by both companies. Dental and vision insurance policies are issued by NGL, except in the state of New York, where they are issued by Commercial Travelers Life Insurance Company, an NGL subsidiary.


Issuing carriers for BrightBenefits are
rated “A” (excellent) by A.M. Best (March, 2021).
Policies in New York are issued by Commercial Travelers Life Insurance Company. NGL issues policies in all other states.


On March 24, 2021, AM Best upgraded NGL's Financial Strength Rating to A (Excellent) from A- (Excellent) rating, which reflects the company's excellent ability to meet its ongoing insurance policy and contract obligations and further attests to its financial strength. 

Founded in 1909, NGL offers insurance products in 49 states and the District of Columbia
with a focus on Preneed, Individual Life and Annuities, as well as group markets,
including specialty products. They are headquartered in Madison, WI.


ICG is a holding company which acquires and makes
investments in insurance businesses across targeted sectors.


More than 1,000 Bain Capital employees work together around the globe to manage
approximately $105 billion in assets, making it one of the world’s leading investment firms.