Dental insurance is one of the most desired employee benefits. Our individual dental insurance plans will help you maximize your oral health.
Great dental health is an essential part of a healthy lifestyle. Our individual dental insurance plans will help you maximize your oral health. In fact, people with dental insurance tend to be more than twice as likely to visit their dentist regularly. Use our individual dental insurance locator to locate an individual or family dental insurance plan today.
Common dental problems have been associated with conditions as serious as heart disease and diabetes. The straightforward habits of regular brushing, flossing, a healthy diet and regular dental checkups may help prevent significant health concerns and higher medical bills.
With lots of levels of cover offering a range of fantastic benefits, dental insurance plan makes it easier that you should choose the right dental insurance for every employee, from new starters to board members.
Coinsurance
Many insurance plans possess a coinsurance provision. That means the benefit plan pays an established percentage of the cost of your treatment, and you are responsible for paying the balance. What you pay is known as the coinsurance, and it is part of your out-of-pocket cost. It’s paid even after a deductible is reached.
Deductibles
Most dental plans possess a specific price deductible. It works like your car insurance. During a benefit period, you personally will need to satisfy a portion of your dental bill before your benefit plan will bring about your cost of dental treatment. Your plan information will describe how your deductible works. Plans do vary about this point. For instance, some dental plans will apply the deductible to diagnostic or preventive treatments, yet others will not.
Maximums
Most dental plans have an annual dollar maximum. This is actually the maximum dollar amount a dental plan will pay toward the price of dental care within a specific benefit period. The individual is personally responsible for paying costs above the annual maximum. Consult your plan booklet for particular information about your plan.
Dental Insurance Benefits
Reimbursement Levels
Many dental plans offer three classes or types of coverage. Each class provides specific types of treatment and frequently covers those treatments in a certain percentage. Each class also specifies limitations and exclusions. Reimbursement levels change from plan to plan, so be sure to read your benefits information carefully.