Dental insurance provides a clear path to protecting your smile. Enjoy coverage that gets you into the dentist for cleanings and exams while also saving you money on pricey procedures. Shop your dental insurance plan today!
We have a team of experts to help you find the plan that will best fit your individual needs.
"Paige was a warm and intelligent agent. To have someone be able to professionally explain insurance to you and keep things light is extremely refreshing!" - Richard K.
Dental insurance covers a wide range of services and procedures that can help you keep your teeth and gums in tip-top shape throughout your life. There are different categories of care, each consisting of various treatments, but what’s covered in each category may vary from one provider to another.
Preventive care might include exams, cleanings, X-rays, sealants, and fluoride treatments. Basic procedures might include fillings, extractions, root canals, and gum treatments. Major procedures might include bridges, dentures, inlays, crowns and implants. Some plans will also provide coverage for orthodontics.
Sure, you can go without dental insurance and just pay for all of your dental care out of pocket, but why put yourself through that if you don’t have to? There are a variety of dental plans you can choose from, and you’re sure to find one that suits your budget, as premiums can be surprisingly low for the myriad benefits you get.
If you receive a lot of professional dental care, or if you have a spouse and/or children who need expensive treatments, this type of insurance can provide you with savings and peace of mind. Even if you only go in for an annual checkup and cleaning, it’s still worth considering a dental plan that will help cover those costs and be there if you ever need emergency dental care or a pricey restorative procedure. Hey, you never know what will happen in the future!
With dental insurance, there is no “one-size-fits-all.” The “best” plan depends on your needs and your situation. Here are some examples for when you’re shopping dental insurance:
Which brand is best for you and your family depends on your dental needs, budget and preferred dentist. You could start by refining your search based on procedures needed or based on potential savings. We recommend picking your plan based on needs rather than by brand name!
Dental insurance can be purchased any time. There are a few plans that offer dental coverage provided as part of health insurance policies, however, you must purchase these dental plans only during Open Enrollment or Special Enrollment, and only if you’re also purchasing health insurance.
Alternatively, you can shop off-exchange in the individual market. With these stand-alone dental plans, you don’t have to buy them through the Health Insurance Marketplace, and you aren’t restricted to the same enrollment period. Instead, you can apply for coverage directly from an insurance carrier at any time of the year.
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Preferred Provider Organization - allows plan holders to visit a wide range of dentists and hospitals.
A group of plans that does not require you to stay in-network. You have the flexibility to visit any provider.
A yearly or one-time fee that must be paid before the insurance company covers anything.
Health Maintenance Organization - plan holders have a certain network of dentists and hospital they can visit.
Dental providers (dentists) that participate in-network are contracted with the insurance company to provide discounted rates.
The maximum dollar amount a dental plan will pay toward the cost of dental care within a specific benefit year.
A set discount on services. Must see a participating dentist to take advantage of the discount.
If you choose a dental provider out-of-network, you will not receive a discount but will be reimbursed a certain dollar amount depending on the service/material.
Also called “Premium,” this is your monthly charge that you will be expected to pay each month.
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