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Dental Insurance

PPO

The most widely accepted form of dental coverage due to it’s Out-of-Network benefits. Access to most Dentists and usually the lowest out of pocket costs on procedures. PPO dental plans offer In-Network and Out-of-Network benefits, free Preventative care, discounted rates on Basic and Major Services (although waiting periods do apply) and a yearly limit of coverage. They are available as a stand-alone product and can have effective dates as early as the next day from submitting an application. This type of dental coverage appeals to consumers who currently have a Dental Provider and do not wish to change their Dentist. Please click on the link below to see what products are available in your area.

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HMO

Also known as DHMO, these dental plans are available at a low monthly rate and offer no waiting periods on most procedures. All services are based on ADA coding (or cost per procedure codes) and there are no yearly maximums of coverage. These plans typically benefit consumers who are in immediate need of dental work, such as fillings, crowns, bridges or extractions. These plans are available for effective dates starting at the first of each month. You will have to choose a Primary Care Dentist and no Out-of-Network benefits are available. Please click the link below to see the availability of products in your area.

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Discount Dental

As the easiest to apply for, these products offer coverage to anyone at any time, and they give a discount on most dental services. There are many Carrier options to choose from in almost every state. Typically Discount Dental Plans are paid for an entire year and relatively inexpensive for an individual or family. These plans give you access to a limited network of Dentists. These are great plans for a consumer who would like to reduce their cost at a dental office! Click on the link below to see product availability and choose from a list of programs guaranteed to save you money on your out of pocket dental costs.

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