Dental Insurance

The dental insurance programs listed are based upon the zip code you enter and their availability. If we are unable to offer a dental insurance plan, we will provide a alternative dental plan, if available, and clearly state it. Please be sure to contact the plan dental office to confirm they are accepting new patients and they are accepting the dental plan you have selected.

If you have any dental insurance plan questions please feel free to contact our office during regular business hours. You will find our licensed insurance agents ready to assist you.

Finding the right value in individual dental insurance and family dental insurance is an important step in purchasing affordable dental insurance health care coverage. Both types of dental plans (dental insurance and discount dental plans) have advantages and disadvantages and one size does not fit everyone. Keeping this in mind is an important rule when you shop for the dental plan that best fits your needs. We sell both individual and family dental insurance and dental discount plans throughout all 50 states.

Our dental web site is very clear if you are selecting a dental insurance plan or a dental discount plan. We understand that there are many dental plan web sites popping-up all over the internet, claiming to offer "dental insurance" when in fact they do not and are not licensed to offer a dental insurance plan.

If you find a site that says they offer dental insurance, they are "required" to show their insurance license information on the web site, as noted at the bottom of this page. If they don't, then report them to your local state department of insurance. If you find a dental web site stating they offer "dental insurance" and in fact they do not, then take the opportunity to report that site to the search engine you found them on.

Our entire staff is licensed to offer, sell and service dental insurance. Always ask to speak with a licensed insurance agent. Ask them if they are licensed. Full disclosure is our guarantee...
TYPES OF DENTAL INSURANCE PLANS WE OFFER

Dental Insurance - Indemnity

This is the plan where you choose your own dentist. Sometimes it is referral to as private dental insurance. This type of dental insurance plan pays the dental office (dentist) on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses the dental office (dentist) for the services rendered.

An insurance company usually pays between 50% - 80% of the dental office (dentist) fees for a covered procedures; the remaining 20% - 50% is paid by the client. These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity plans also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules. Some typical features of these plans:

*

High deductibles before coverage begins (well-designed plans don't apply the deductible to preventive services)
*

Probationary periods on certain procedures that last up to a year
*

Annual dollar limit on benefits
*

Chose your own dentist
*

Your average monthly cost: $15 to $25
*

Companies selling these plans are regulated by state insurance departments.