Dental Coverage

Complete your health coverage with an affordable dental plan. Dental health is an important part of your total wellness. We help select from several affordable dental coverage options.

With a Dental PPO plan you have the freedom to choose any dentist provider, but your out-of-pocket costs for covered services are lowest when you receive care from a participating (network) dentist. A Dental PPO plan usually features:

An extensive network of general care and specialty dentists.

An individual deductible of $50 per member per calendar year

A wide range of dental benefits including diagnostic and preventive services with no out-of-pocket costs.

Coverage even when you use an out-of-network dentist - the plan reimburses you for up to a specified amount, and you pay the balance of the total billed charges

A $1,000 per-member per-year benefit maximum - including a $500 per-member per-year maximum for out-of-network benefits. (Each calendar year. the member is responsible for all charges incurred after the plan has paid these amounts for covered dental services.

No waiting period for diagnostic or preventive services. The following waiting periods do apply: Three months for minor restorative services and procedures (such as fillings), endodonotics, periodontics, and oral surgery. Twelve months for major restorative services and procedures (such as crowns) orthodontics, removable and fixed prosthetics.

With a Dental HMO Plan, you choose the dental provider from a list of the HMO's dental providers. All of your family's dental care will be provided and coordinated through that dental provider. A common Dental HMO Plan features:

An extensive network of general care and specialty dentists.

No deductibles or calendar year maximums.

A wide range of dental benefits. including most diagnostic and preven­tive services at no out-of-pocket cost to you, and generally lower co-payments than the Dental PPO.

Specialty care available with a referral from your dental provider.

No waiting period for any type of service other than orthodontics. (A 12.month waiting period applies to orthodontic services.)

Virtually no claim forms.

For further information and for all your health insurance needs, please call us at our toll free number 877-477-4602 and talk to an actual person and learn the difference personalized service can mean when learning about and purchasing health insurance.