Dental Insurance

Before you purchase a dental plan, it’s important to know exactly what kind of coverage you are going to receive and at what cost. Dental insurance has become more important to have as dental care has become more expensive in recent years. This is due to advances in dental technology and the vast array of cosmetic dentistry services.

With so many variations of dental insurance plans and costs, it’s best to make sure you fully understand your options. By comparing insurance quotes from reputable carriers you can save on your dental insurance.

What types of services are available with dental plans?

Preventive – Considered Level 1 of dental service with diagnostic oral exams twice yearly. This generally includes cleaning and x-rays and fluoride treatments for children. Many times preventative services are covered at 100% without a waiting period.

Restorative – Considered Level II of dental service, including services such as fillings, extractions and emergency care are generally covered after a waiting period. These services may be covered at a lower benefit percentage and may have a deductible to be satisfied.

Major care – Considered Level III of dental service, which could include such services as oral surgery, crowns, root canals, dentures, periodontal and orthodontics. These services vary from company to company and generally have the longest waiting period before benefits begin.

Do I have to use participating providers?

We offer both network (PPO) and non-network dental plans. While most plans allow you the freedom to visit the dentist of your choice, some policies provide greater benefits or waive the deductible if you use a participating provider.

Is there a maximum benefit?

Yes, dental insurance companies know that everyone intends to use their dental plans for at least for preventative care. Most dental plans provide a maximum annual benefit of $1000 – $1500 per person, per year.

Can dental insurance be purchased on a personal plan or group plan?

Yes, we offer personal dental plans to individuals and families, as well as group plans to employers. Group plans are usually more competitively priced while personal dental plans offer portability.

Does dental insurance cover cosmetic procedures?

Most policies do not cover cosmetic care. Be sure to review your coverage to confirm the exclusions.

Summary

Dental insurance should not generally be purchased in lieu of a solid comprehensive major medical plan. After all, you can incur much greater expenses with illnesses and injuries than most people incur with dental work. If you are facing surgical removal of wisdom teeth, some major medical policies cover if as a medical expense rather than dental services. Be sure to review your policy contract or consult an insurance advisor.