Dental Insurance

Individual Dental Insurance is available to individuals and families that are not covered by group dental insurance. For people without dental insurance, cost often stands in the way of getting the care they need to maintain the health of their teeth and gums. Even for routine preventive care, a trip to the dentist’s office could mean a substantial amount of money out of your pocket.

With a high quality dental plan, you can receive coverage for anything from routine exams and cleanings to more complex procedures such as root canals and extractions. Typically, a dental plan will cover regular checkups and cleanings twice a year. Depending on the plan, there may or may not be a copay required for each visit.

 

For more extensive work, many dental insurance plans cover annual X-rays, sealants, cavity fillings, crowns, root canals and other necessary dental procedures. However, you may have to pay the plan’s deductible before coverage will kick in for these procedures.

Types of Dental Insurance

A DHMO dental insurance plan has a network of contracted dentists that offer services at a predetermined, discounted rate. Under a DHMO dental plan, the member must designate a primary care dentist and must obtain a referral to see a specialist. Typically, DHMO dental plans do not have waiting periods for basic and major services and no annual maximums. A DHMO dental plan is a perfect solution if looking for first time dental insurance.

 

A PPO dental insurance plan has a network of contracted dentists that provide special rates on dental care. PPO dental plans have more flexibility in allowing members to choose dentists, regardless if they are in the network or not. However, the rates are usually lower if selecting a dentist that from the plan’s network. Most PPO dental plans have waiting periods. Generally, members must wait 6 to 12 months before major services are covered. However, if you had prior dental coverage, or enrolling in a group dental plan, the waiting period may be waived.

 

A Hybrid dental insurance plan is a unique dental plan. A Hybrid plan combines both DHMO and PPO dental plan benefits. Members can get DHMO benefits with lower out of pocket costs or can switch to a PPO plan for a broader selection of dentists.

Dental Insurance

Individual Dental Insurance is available to individuals and families that are not covered by group dental insurance. For people without dental insurance, cost often stands in the way of getting the care they need to maintain the health of their teeth and gums. Even for routine preventive care, a trip to the dentist’s office could mean a substantial amount of money out of your pocket.

With a high quality dental plan, you can receive coverage for anything from routine exams and cleanings to more complex procedures such as root canals and extractions. Typically, a dental plan will cover regular checkups and cleanings twice a year. Depending on the plan, there may or may not be a copay required for each visit.

 

For more extensive work, many dental insurance plans cover annual X-rays, sealants, cavity fillings, crowns, root canals and other necessary dental procedures. However, you may have to pay the plan’s deductible before coverage will kick in for these procedures.

Types of Dental Insurance

A DHMO dental insurance plan has a network of contracted dentists that offer services at a predetermined, discounted rate. Under a DHMO dental plan, the member must designate a primary care dentist and must obtain a referral to see a specialist. Typically, DHMO dental plans do not have waiting periods for basic and major services and no annual maximums. A DHMO dental plan is a perfect solution if looking for first time dental insurance.

 

A PPO dental insurance plan has a network of contracted dentists that provide special rates on dental care. PPO dental plans have more flexibility in allowing members to choose dentists, regardless if they are in the network or not. However, the rates are usually lower if selecting a dentist that from the plan’s network. Most PPO dental plans have waiting periods. Generally, members must wait 6 to 12 months before major services are covered. However, if you had prior dental coverage, or enrolling in a group dental plan, the waiting period may be waived.

 

A Hybrid dental insurance plan is a unique dental plan. A Hybrid plan combines both DHMO and PPO dental plan benefits. Members can get DHMO benefits with lower out of pocket costs or can switch to a PPO plan for a broader selection of dentists.