Dental Insurance and Discount Plans
Great oral health is an essential part of a healthy lifestyle. Our individual dental insurance plans can help you maximize your oral health. In fact, people with dental insurance are more than twice as likely to visit their dentist regularly.
Choosing a dental insurance plan can be overwhelming—monthly premiums, annual maximums, deductibles...
There is a lot to consider, so give us a call and we can assist you with your needs.
Great oral health is an essential part of a healthy lifestyle. Our individual dental insurance plans can help you maximize your oral health. In fact, people with dental insurance are more than twice as likely to visit their dentist regularly.
Choosing a dental insurance plan can be overwhelming—monthly premiums, annual maximums, deductibles...
There is a lot to consider, so give us a call and we can assist you with your needs.
DID YOU KNOW?
Like medical plans, most dental plans have certain defined out-of-pocket costs for members, like co-insurance, co-payments, and deductibles. These cost- sharing elements help control costs and keep plan premiums at affordable levels. However, dental plans differ in that they typically reimburse plan participants based on the “class of service.” For example, preventive and diagnostic services are often covered at 100% of the cost of the procedure, basic restorative services (such as fillings) may be covered at 80% and plan participants must pay more for major services such as crowns, which are covered at a lower rate, such as 50%.
In addition, there may be limitations on the number of times you can receive a procedure (for example some plans cover up to two cleanings a year). In addition, most dental plans have an annual maximum that they will pay for care in a plan year (which may be different than a “calendar year”). Once the annual maximum is reached, the plan will not cover any additional services until the start of the next plan year. If you only need routine care, such as exams, cleanings, and x-rays, you probably won’t reach your annual maximum. However, if you need complex dental services, you may reach your annual dollar limit.
Like medical plans, most dental plans have certain defined out-of-pocket costs for members, like co-insurance, co-payments, and deductibles. These cost- sharing elements help control costs and keep plan premiums at affordable levels. However, dental plans differ in that they typically reimburse plan participants based on the “class of service.” For example, preventive and diagnostic services are often covered at 100% of the cost of the procedure, basic restorative services (such as fillings) may be covered at 80% and plan participants must pay more for major services such as crowns, which are covered at a lower rate, such as 50%.
In addition, there may be limitations on the number of times you can receive a procedure (for example some plans cover up to two cleanings a year). In addition, most dental plans have an annual maximum that they will pay for care in a plan year (which may be different than a “calendar year”). Once the annual maximum is reached, the plan will not cover any additional services until the start of the next plan year. If you only need routine care, such as exams, cleanings, and x-rays, you probably won’t reach your annual maximum. However, if you need complex dental services, you may reach your annual dollar limit.
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