Dental Insurance
Keep Your Smile – and Your Budget – Healthy
|
Routine checkups today can help prevent big, expensive issues down the road.
Dental Care Is Health Care
Dental insurance helps you stay proactive about your oral health without worrying about the cost every time you book a cleaning or need work done. It can reduce out-of-pocket expenses for everything from basic exams to unexpected procedures like root canals or crowns. A good dental plan helps you prioritize preventive care, avoid major bills, and maintain better overall health – especially as you age.
Preventive Care
Cleanings, exams, and X-rays are usually covered at 100%, helping you stay ahead of small issues before they turn into costly problems.
Basic Services
Treatments like fillings, simple extractions, and periodontal cleanings are often covered at a partial rate to help manage early or moderate dental concerns affordably.
Major Services
More complex procedures such as crowns, root canals, dentures, or bridges are typically included at a lower coverage level – but having insurance can still save you hundreds or more.
|
It’s Not Just for Families
These plans are great for seniors, individuals, and small business teams too.
Dental insurance isn’t limited to younger families – it’s often one of the most valuable types of coverage for retirees and small business owners as well. If you’re on Medicare, you’ve probably noticed dental isn’t included – we’ll help you fix that. And if you’re self-employed or providing coverage for employees, we can show you smart options that protect everyone’s smile without overextending your budget.
Common Questions About Dental Coverage
Is dental insurance included in Medicare?
No, Original Medicare doesn’t include dental coverage. That means routine services like cleanings and exams, as well as major dental procedures, aren’t covered unless you enroll in a separate dental plan. Many people are surprised by this gap, but the good news is there are plenty of affordable standalone options. We’ll help you add dental coverage that fills in the missing piece.
What’s usually covered by a dental plan?
Most dental plans cover preventive care at 100% – this includes exams, cleanings, and annual X-rays. Basic procedures like fillings and extractions are partially covered, and major services like crowns or dentures are usually covered at a lower percentage. Plans vary in structure, so we’ll walk you through each option to find a balance of coverage and cost that fits your needs.
Can I keep my current dentist?
That depends on the network associated with the dental plan. Some plans offer larger provider networks than others, and some even include out-of-network benefits. When reviewing options, we’ll always start by checking whether your preferred dentist is included so you don’t have to switch providers unless you choose to. Keeping your care consistent is one of our top priorities.
Are there waiting periods before I can use my coverage?
Some dental plans include waiting periods, particularly for major procedures like crowns or bridges. However, many plans provide immediate coverage for preventive care, and some waive waiting periods under certain conditions. We’ll help you understand when your benefits kick in and ensure you’re not caught off guard by limitations in the fine print.
How much does dental insurance cost?
Dental plans can be very affordable, especially for individuals or retirees looking to add protection. Monthly premiums vary based on coverage level, network size, and age, but many start at just a few dollars a week. We’ll help you compare cost versus coverage so you’re confident in what you’re paying for – no guesswork, just smart planning.
