How Does Dental Insurance Work?
Dental insurance plans are intended to reduce the cost of dental care. Dental insurance providers typically negotiate lower fees with in-network dentists, and also pay (“cover”) a percentage of the reduced fee.
We provide affordable individual and family dental insurance. As an agency broker we can shop the best companies and at a competitive price. Children are now automatically covered with the new healthcare As a broker we represent many dental companies that provide great dental care. Both PPO and HMO dental providers.
If you are a senior that is looking to compliment your medical coverages with an excellent dental policy, we also work with many different companies to provide that coverage for you.
Dental coverages typically are structured like this:
- Preventive: Dental insurance plans typically cover 100% of the cost of preventive care, which includes annual checkups, bitewing x-rays, and routine cleanings.
- Basic: Most insurance plans cover 80% of the cost of “basic,” uncomplicated services, such as fillings, simple extractions and some types of deep cleanings.
- Major: Dental insurance typically covers 50% of treatments such as root canals, crowns, bridges and dentures.
Please give us a call so we can discuss the coverages and assist you with the enrollment process.