Dental Insurance

Dental Insurance

Enrolling for dental insurance can help protect you against unexpected dental expenses such as crowns or root canals. Your dental insurance plan will also make it easier for you to keep up with regular cleanings, checkups and other preventative treatments. All of which helps identify the need for a crown or root canal before they become a costly expense. Before you decide to enroll for a dental insurance plan, lets learn about a few terms you need to familiarize yourself with to become an informed buyer.

How does dental insurance work?

Dental insurance works very similar to how Health Insurance works. A client pays an insurer a monthly premium towards a specific plan to receive coverage. The payment of the monthly premium allows the client the ability to receive regular checkups, cleanings, and x-rays. Some of which will be applied towards their dental plans insurance deductible. Once your deductible is met, the dental insurance companies will step in and pay a percentage of the overall bill for various procedures like crowns, root canals, dentures, and braces. However, there are waiting periods associated for some of the bigger procedures.

Our Dental Insurance Quote Process

Introductory Call/Meeting

We will set a time up to meet over the phone, or in person, where we find out some basic information about you. How many people will be on the plan, ages of those on the plan, your residential zip code, any procedures you will need within the next 6 – 12 months and who you see for all of your dental procedures.

We find a plan that fits all of your dental insurance needs

We then will sit down and review various plans, through various insurers in your zip code. Once we identify a plan that fits your needs, we will then schedule a time to review our findings with you.

Choose A Plan

Once we have identified your ideal dental insurance plan, we will then help you fill out an application for dental insurance coverage.

Start Receiving Coverage

After you have chosen your dental insurance plan, and finished your application, you will then start receiving dental insurance the following month.

Here is a list of important questions we help you answer before choosing a plan:

  • How much is the monthly premium?
  • What is the dentist network? Will I be able to stay with my current dentist or will I need to switch?
  • What is the cost to see a dentist outside of my dentist network?
  • Do I need a dental procedure done right away?
  • How long are the waiting periods for each dental insurance plan before I will have my procedure covered?
  • How much is the deductible?
  • After meeting the deductible, how much with the dental insurance provider pay towards my procedure?

Here are a few definitions you will need to know before purchasing dental insurance:

How long are waiting periods for dental insurance?

The whole purpose for waiting periods is to detour potential clients from buying dental insurance only when they need to have dental procedures. The more expensive a dental procedure is, the longer the waiting period will be. A waiting period means that you will have to wait a specific amount of time before a dental insurance company will help you pay for certain procedures. Here is a brief list of common waiting periods for a few well known procedures:

Six Month Waiting Period

  • Fillings

One Year Waiting Period

  • Crowns
  • Root Canals
  • Dentures

How does the annual deductible work for dental insurance plans?

An annual deductible for dental insurance is the amount of money you have to pay out of pocket towards dental costs until your dental insurance company helps pay a percentage of your bill. For example:  Your annual deductible is $750. Until you pay your annual deductible through office visits, x-rays, and lab tests, you will have to pay for those procedures on your own. Once your annual deductible is met, the dental insurer will start to help you by paying a certain percentage, ranging from 0%-60%, of your overall bill from your dentist.

What is my maximum payout limit?

A maximum payout limit is the maximum amount of money that your dental insurer will pay to cover dental procedures in one calendar year (January 1 – December 31st). If your maximum payout limit is $1,000, once that limit is met, you will have to pay the remaining cost on your own.

Remember, before investing in a dental insurance plan, make sure to ask yourself or your broker the questions above. It is imperative for you to understand this now or you may be at risk of paying more for dental procedures.