DENTAL INSURANCE
Did you know that dental health is linked to overall health?
A good dental insurance plan helps you enjoy a little peace of mind knowing your smile is covered!
MAKE SURE YOUR SMILE IS PROTECTED
Finding the right dental insurance plan starts with knowing what you’re looking for. Here are a few things to consider when looking for or comparing plans.WHAT DO DENTAL PLANS COVER?
When it comes to dental plans, there's no "one size fits all" plan. Dental plans can vary greatly in their coverage offerings, but don't let that scare you!
Plans will vary by their coverage, for example, some plans will cover implants while others may not. Some plans cover 2 cleanings a year, while others cover up to 4 cleanings a year! Check out the Direct Benefits Marketplace to compare, contrast, and find the dental plan that best suits your needs.
HOW MUCH WILL DENTAL INSURANCE COST?
There are quite a few variables that go into the final cost of dental plans. These variables might include the type of plan, coverage, deductible, dental needs, preferred provider, and location. Your annual maximum and whether a plan has waiting periods or not will also play a role in the cost of your dental insurance.
Every dental plan will have a monthly premium, along with deductible, which can be an annual deductible or a lifetime deductible. Start the quote process to find out how much dental insurance will cost for you.
WHICH INSURANCE CARRIER IS THE BEST?
Direct Benefits offers dental plans through many insurance companies, but no company is "better" than the others. Which carrier is best for you and your family depends on your dental needs, your budget, and your preferred dentist. We recommend picking a plan based off your needs rather than by brand name!
BEFORE YOU SHOP, HERE’S A GUIDE TO HELP WITH INSURANCE LINGO
| INSURANCE LINGO | TERMINOLOGY BREAKDOWN |
|---|---|
| PPO | Preferred Provider Organization - allows plan holders to visit a wide range of dentists and hospitals. |
| HMO | Health Maintenance Organization - plan holders have a certain network of dentists and hospital they can visit. |
| DISCOUNT PLANS | A set discount on services. Must see a participating dentist to take advantage of the discount. |
| CHOICE PLANS | A group of plans that does not require you to stay in-network. You have the flexibility to visit any provider. |
| NETWORK | A group of dentists that have accepted certain plans and discounts. |
| OUT-OF-NETWORK | A dentist that does not accept your coverage or plan. |
| DEDUCTIBLE | A yearly or one-time fee that must be paid before the insurance company covers anything. |
| ANNUAL MAXIMUM | The maximum dollar amount a dental plan will pay toward the cost of dental care within a specific time period (usually January through December). |
| MONTHLY-PREMIUM | Your monthly plan fee. |