Dental Insurance

Keep smiling with the right dental insurance for you.

Dental coverage helps protect you and your family from unexpected dental expenses. When you’re covered, it’s easier to get the regular checkups, cleanings and preventive care that keep your smile healthy.

Comprehensive Coverage

Dental plans are built to meet your needs, and our networks feature dentists you can count on for professional, reliable care.

Preventive Care

Most dental plans include preventive dental services such as routine oral exams, X-rays, cleanings, sealants, and fluoride treatments.

Network Access

Belong to a network of dentists who have access to a variety of tools and resources needed to make delivering quality dental care easy.

Choose the Family Dental Plan That’s Right for You.

Whether you’re young or old, having dental insurance is important. Your teeth are essential for chewing and speaking, and they play a big role in your overall health.

Dental insurance is a type of insurance that helps to cover the costs of dental care. It can help to pay for routine dental care, such as checkups and cleanings, as well as more expensive dental procedures, such as fillings, crowns, and braces. Dental insurance typically has a monthly premium and an annual deductible, and it may also have a maximum benefit limit.

Having dental insurance is important for a number of reasons.

Dental Insurance can help to offset the costs of routine dental care. This includes regular cleanings and checkups, which are essential for maintaining good oral health.

Dental insurance can help to cover the costs of more extensive dental procedures, such as fillings, crowns, and bridges.

In the event of an emergency, dental insurance can help to cover the cost of emergency dental care. Finally, having dental insurance can give you peace of mind knowing that you and your family are covered in case of a dental emergency.

It is important to note that not all dental insurance plans are created equal. Some plans may have higher monthly premiums, but offer more comprehensive coverage. Others may have lower monthly premiums, but have more limited coverage. It is important to compare different dental insurance plans before enrolling in one to make sure that it meets your needs and budget.

So if you don’t have dental insurance, be sure to explore your options and find a plan that’s right for you. Your teeth will thank you!

Types of Dental Plans

With so many dental benefit plans available to patients today, it’s important to learn the differences between them. Some plans require your dental practice to be part of a network, others limit maximum charges and many have set fees for specific services.

Preferred Provider Organizations (PPO)

A PPO plan is regular indemnity insurance combined with a network of dentists under contract to the insurance company to deliver specified services for set fees and according to the provisions of the contract. Contracted dentists must usually accept the maximum allowable fee as dictated by the plan, but non-contracted dentists may have fees either higher or lower than the plan allowance.

Dental Health Maintenance Organizations (DHMO)

Under a DHMO or capitation plan, contracted dentists are “pre-paid” a certain amount each month for each patient that has been designated or assigned to that dentist. Dentists must then provide certain contracted services at no-cost or reduced cost to those patients. The plan usually does not reimburse the dentist or patient for individual services and therefore patients must generally receive treatment at a contracted office in order to receive a benefit.

Point of Service Plans

Point of service options are arrangements in which patients with a managed care dental plan have the option of seeking treatment from an “out-of-network” provider. The reimbursement to the patient is usually based on a low table of allowances; with significantly reduced benefits than if the patient had selected an “in network” provider.

Discount or Referral Plans

Discount or referral plans are technically not insurance plans. The company selling the plan contracts with a network of dentists. Contracted dentists agree to discount their dental fees. Patients pay all the costs of treatment at the contracted rate determined by the plan and there are no dental claim forms to file. Originally these plans were sold to individuals; however, more and more employers are purchasing these types of plans as the dental plan for the company’s employees.