Choosing Dental & Vision Coverage

insurance

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.

Why it’s important

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.

Types of Dental Insurance Coverage

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.

Basic Dental Insurance Coverage - What is Included?

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:

  1. Preventive and diagnostic dental care: Almost all dental plans and dental insurance policies cover basic dental costs that are meant to prevent dental problems. For the policyholder that means, most plans covers a large part or all the dental costs associated with basic services such as cleaning, checkups, and other dental procedures meant to prevent tooth and gum disease. This coverage is important because it encourages people to seek regular dental care, which can prevent more complicated and costly problems.
  2. Basic dental care and dental procedures: Most dental plans and dental insurance also cover basic dental procedures such as fillings, tooth extractions, fixing chipped teeth, and other such basic procedures. However, basic dental care varies from one provider to another. In general, since providers cover a significant portion of basic dental care, it makes sense to select a dental care insurance provider that covers as many dental care basics and procedures as possible.
  3. Major Dental Care: While not all dental insurance plans cover major dental care, our plan options do cover from day 1 with no waiting periods!  We can cover major services such as: Crowns, Bridges, Root Canals, Orthodontics as well as dentures.  We truly offer one of the most comprehensive plans of it's kind.

 

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