Coverage for more than just your dental health.

Having individual dental insurance is key to staying healthy, and it’s not just about your teeth. Did you know that regular dental exams can even help detect serious underlying conditions such as heart disease and diabetes? Having this coverage helps you get the preventative and corrective care you need to stay healthy.

Get the right policy to cover your specific needs.

Individual dental insurance policies are usually simple and straightforward since you’ll know which procedures are covered and what the out-of-pocket costs might be for the dental services you need. It may also help bring you peace of mind knowing that should you need unexpected dental care services, you’ll have coverage for the care you need in that instance.

Are you looking for an individual dental insurance plan? Contact us to discuss your needs and to go over your coverage options.

Understanding the basics

• Separate from health insurance: Dental insurance is generally purchased separately from health insurance policies.

• Focus on Oral Health: Its primary goal is to help cover the costs of maintaining good oral health, including preventative care, basic treatments, and some major procedures.

  Similar to health insurance, you'll likely encounter:

  • Premiums: Monthly payments to keep your coverage active.

  • Deductibles: The amount you pay out-of-pocket for certain services before your insurance begins to cover costs.

  • Copays: Fixed fees you pay when you visit the dentist.

  • Coinsurance: The percentage of covered expenses you pay after meeting your deductible. 

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What to consider before choosing a dental insurance plan.

Keep in mind that some policies may have a waiting period before your coverage kicks in. Another important thing to check in your policy is what your deductibles and copays will be to see if they fit your needs. You’ll also want to know what your annual limits are for your insurance coverage.

How It Works.

Dental insurance usually covers the total cost of preventive services, like routine exams and cleanings. If your dentist determines you need to get work done, you can expect to pay a deductible and a portion of the procedure. Each dental insurance plan is different.