Dental Insurance Basics

Quality dental care gives you the opportunity to prevent oral diseases by treating oral health problems in the early stages. Regular visits to the dentist, including cleanings, exams and X-rays, can reduce the risk of permanent damage and avert more costly treatment later on. Plus if you behave nicely to the dental hygienist, he or she may give you a sticker after your visit.

Here is the good news: everyone who applies for dental insurance coverage plan gets approved. Here is the bad news: many dental plans have low maximum payouts so you want to make sure your plan has a decent maximum payout before you sign up. In other words, don’t buy a dental plan for $30 a month if they most they will pay out in one year is $500.

In all cases, make sure you have health insurance before considering dental coverage.  While it is increadably risky to go without health insurance, the same is not necessarily true with dental insurance.

Use the links below to download dental plan information. You will find information on coverage, rates and options. You will also find an easy one page application that you can print, fill out and send in.

In some states you will have an option between HMO or PPO dental. When selecting a dental plan, remember that HMO plans tend to be less expensive but less comprehensive than PPO plans. If you need help with the process, please contact us here

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