Dental Coverage

Individual Dental Coverage

Regular dental checkups are important when it comes to the health of your teeth. Many people wait to see a dentist until they have a problem which often results in expensive treatment, which may have been avoided, had they had regular checkups. Many times the reason they don’t get regular checkups is because they do not have insurance. Many people don’t realize they can purchase dental insurance individually. Also, many employers no longer help pay for dental insurance because the medical premiums have increased. Dental plans can be purchased individually and are very affordable.

 

Group Dental Coverage

Group dental plans are available on either an employer pay or a voluntary basis. When the employer contributes, the premiums are less expensive and participation requirements apply. Benefit structures are fairly standard among carriers, however, determining what percentile of allowed charges the carrier uses for paying benefits is very important. Waiting periods may or may not apply. Most companies offer optional orthodontics coverage for dependents of larger groups as an added benefit.