Dental Insurance
Great oral care includes periodic wellness visits—this reduces the likelihood of expensive treatment later on. Did you know that for every $1 spent on prevention in oral healthcare, $8 to $50 are saved in restorative and emergency treatment. We have the ability to help you get that policy.
Many of the healthcare companies that we represent allow you to add on a dental plan to your individual medical insurance. By doing this you have more options on your coverage. Many companies have several plans you can choose from.
Many plans offer coverage on the following:
- Diagnostic and preventive care
- Periodontal maintenance cleanings
- Denture repair
- Re-base and relining
- Basic restorative (fillings)
- Oral surgery
- Endodontics (root canals) with additional coverage for Periodontics
- Crown and cast restorations
- Prosthodontics (dentures).
There is normally a waiting period for basic services and major services and there is a deductible per member enrolled and a maximum benefit amount per year per member.
How to Choose a Dentist.
Many plans offer you the freedom to visit any dentist you choose. But you may find that you can save money when you visit an in-network dentist rather than a out-of-network dentist.
In-network dentists agree to provide services at a negotiated (discount) rate plan.
Dentists accepting the negotiated rate plan will generally have you paying less for services.
While an out-of-network dentist generally does not accept the negotiated (discount) rate. You may be subject to paying the difference between the dentist’s standard fee and what the plan pays for.
Ask your Dentist about fees prior to work beginning so there is no issue afterward.
