Good dental and vision plans are hard to come by outside of group insurance. We offer some of the best solutions available to individuals. there many types of plans to consider such as network and non-network plans, dental indemnity insurance plans, and discount dental plans.
Dental coverage of some kind can help you ensure the health of your teeth and gums. Unfortunately, if you are bearing the full brunt of the cost of dental care you may find it difficult to pay your dentist bills. Without dental insurance coverage, you may be tempted to skip regular cleanings and checkups, a decision that could lead to serious dental health problems.
There are really only 3 types of dental coverage: In-Network Plans which offer the most comprehensive coverage available but require you to see an in-network dentist.
Choice Plans which allow you to see ANY dentist of your choice regardless of networks. Although these plans are the most expensive and are not as comprehensive as the in-network plans.
And last, are the Indemnity Discount Dental Plans that offer a "savings" using an in-network dentist. You merely get a "discount" when using this type of coverage and it is NOT comprehensive.
Understanding what is covered by your dental insurance can be challenging. Coverage differs from policy to policy and from provider to provider. Read the fine print of your policy or agreement to find out what your dental insurance covers. In general, basic dental insurance coverage includes three categories: