Prestige Dental Planners
Everything for the Health of Your Teeth
Dental Insurance
What Is Dental Insurance?
Traditional dental insurance is designed to provide regular care of teeth, mouth and gums.
Less than half of the U.S. population is covered by a dental insurance plan. Similar to health or medical insurance, dental insurance pays all or a percentage of the fee charged by a dentist for services.
Less than half of the U.S. population is covered by a dental insurance plan. Similar to health or medical insurance, dental insurance pays all or a percentage of the fee charged by a dentist for services.
Dental insurance can be an indemnity plan, a PPO (Preferred Provider Organization) or a Dental Health Maintenance Organization (DHMO).
Indemnity plans allow the consumer to use any dentist.
PPO plans give a better fee arrangement for using a dentist who participates in the PPO network
DHMO plans require consumers to use only the dentists in the DHMO network
What is covered by dental insurance?
Preventative Services are usually covered at 100%. Most plans offer 2 preventative visits per year and include cleaning, certain x-rays and other services considered preventative.
Basic Services are covered from 70% to 100% depending on the specific plan design. Basic services include fillings, root canals, periodontal services, laboratory testing and extractions.
Major Services are covered 40% to 60% depending on the include caps, crowns, bridges and dentures.
Basic and Major services usually have a deductible and sometimes waiting periods before services will be paid. Most dental insurance includes an annual maximum benefit from $750 per person per year to $2,000
Basic Services are covered from 70% to 100% depending on the specific plan design. Basic services include fillings, root canals, periodontal services, laboratory testing and extractions.
Major Services are covered 40% to 60% depending on the include caps, crowns, bridges and dentures.
Basic and Major services usually have a deductible and sometimes waiting periods before services will be paid. Most dental insurance includes an annual maximum benefit from $750 per person per year to $2,000
Individual dental insurance is available in most states.
You can find the dental insurance plans available in your state, look at the benefit summaries and apply on line at:
