Dental Insurance

The last thing you want to happen is something small turning into a major dental issue. When you have full dental coverage, you won’t hesitate to go to the dentist when something, small, such as a cavity or a toothache comes up.

Dental insurance will help by covering your basic dental needs and preventative care. You’ll be able to select from several different plans including coverage for routine dental care, x-rays, fillings, cleanings, and more.

With dental insurance, you have several options, and each plan is a bit different. The types of plans to choose from include:

• HMO – This is a prepaid type of plan with on deductible or maximum. Instead, you pay a co-payment for some procedures, while others come with no out-of-pocket expense.
• Discount Plans – Typically, a discount dental plan will provide a reduced fee-for-service option and require you to pay out-of-pocket, minus the discount.
• DPPO – The lowest out-of-pocket costs with this plan will come from an in-network dentist, but you are not required to visit an in-network dentist. You will pay a co-payment, and you will need to reach a deductible. This type of plan also has a maximum.
• Fee-For-Service – Also known as an indemnity plan, this type of play comes with a co-payment and a fee for procedures.
• Choosing the right dental insurance plan for your family matters. Make sure you take the time to compare multiple options and get the coverage right for your situation.