Taking care of your oral health is not a luxury; it is a necessity for long-term optimal health. With a focus on prevention, early diagnosis, and treatment, Dental insurance can greatly reduce your costs when it comes to restorative and emergency procedures. Preventive services are covered at no cost to you and include routine exams and cleanings. You will only pay a small deductible and coinsurance for basic and major services.
When you visit a dentist in the network, you will maximize your savings. These dentists have agreed to reduced fees, which means you won’t get charged more than your expected share of the bill.
|Primary Care Dentist||Yes||No||No||No||No|
|Annual Maximum Benefit||None||$1,500||$1,000||$500||$1,500|
|Diagnostic and Preventive Care Services||Fee schedule||Covered in full||You pay 20%, no deductible||Covered in full||Covered in full|
|Basic Services||Fee schedule||20% after deductible||50% after deductible||20% after deductible||20% after deductible|
|Major Services||Fee schedule||50% after deductible||50% after deductible||50% after deductible||50% after deductible|
|Orthodontics (adults and children)||Fee schedule||40% after deductible||40% after deductible||40% after deductible||40% after deductible|
|Orthodontic Lifetime Benefits (adults and children)||Fee schedule||$1,000||$1,000||$2,500||$2,500|