Dental Insurance
A Consumer's Perspective . . .
The #1 attraction of "dental insurance" is that (in most cases) you may use any dentist for covered services.
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However, individual dental insurance plans contain deductibles and waiting periods, which limit the amount of your potential insurance reimbursement in the first year. You are also responsible for "co-insurance" (a portion of the cost) on "basic" and "major" dental procedures.
Virtually all dental insurance plans contain an annual limit on coverage. In addition, your potential insurance reimbursement is subject to a "Maximum Allowable Charge" (MAC) for each procedure.
In short, don't count on "coming out ahead" with dental insurance. It would be rare to obtain more dollars in insurance benefits than you pay in premiums.
For some savvy consumers, dental insurance may be a way to finance dental care. For an employer, this insurance can be a benefit for one or more key employees.*
If you will be going onto an employer's group plan soon, an individual dental insurance plan may help to satisfy any possible waiting period on the group dental plan. Note: the laws regulating group dental plans vary from state to state and by type of plan. Before using an individual dental plan to help "jump-start" your benefits when joining a group dental plan, be sure to consult with your employer's insurance or human resources department.
CLICK HERE > Instant On-line Quote and Application.
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Dental insurance plans found here are underwritten by Standard Security Life Insurance Company of New York, rated "A" (Excellent) for financial condition by A.M. Best Company (as of 06/06)
Tip:
You will find 3 plan options. The "ClassicOne"
plan option is the most popular choice among people opting for dental
insurance.
*Waiting periods may still apply.
Contact us for group dental plan answers.