Group Dental Insurance can be purchased as a part of a Group Health Insurance plan or as a stand alone product. There are many fine stand alone carriers we represent that provide Group Dental. In addition, the major Group Health carriers have excellent dental programs.
Dental Insurance is written in three major categories:
- Preventative – This pays for your bi-annual exams, cleanings and X-rays. The services are usually paid in full, 100%.
- Basic – This includes general procedures like fillings, extractions and root canals. Basic services are usually paid at the 80% level.
- Major – This incorporates crowns, bridgework, implants and dentures. Major services are generally paid 50% by the carrier.
- Orthodontia – This is generally not covered under these categories, but can be added for an additional premium.
All dental plans have yearly maximum amounts the insurer will pay on behalf of each individual. This could be anywhere from $500 to $3,000 or more, but most plans offer a $1,000 to $2,000 maximum benefit.
Most Dental plans provide for a PPO (Preferred Provider Network) of Dentists that contract with the insurer for discounted services. You can still go to any dentist, even if they are not in the Network, but they may not accept the payments offered by the insurer and may Balance Bill you for the difference.