Find The Right DENTAL PLAN
Worth the Expense
Most consumers are unaware that their major medical health plan doesn’t include dental coverage. Since dental plans are usually purchased separately from health insurance, some consumers consider if it’s worth the expense. Knowing that oral care goes together with overall physical health, we are here to make the case that yes, dental insurance is worth the expense.
Preventive actions like regular checkups and cleanings are key to avoiding costly oral health issues down the road.
More Options with Key Health Plans
Key Health Plans works with some of the nation’s top insurance companies.
Call us today 1-855-745-5422, an agent can assist you find the right dental plan.
Why is speaking with a licensed insurance agent that specializes in Dental plan options necessary? We provide expert guidance on available HMO, PPO, and Indemnity plan options. A licensed agent will educate you on services such as; preventative, minor care, major care, physician networks, and cost analysis for the following: premiums, copays, deductibles. Throughout the enrollment process and post-enrollment, you will have a personal contact to assist with questions, claims, or concerns, should any arise.
Call us today 1-855-745-5422 or use the form to the right to have a KHP licensed agent contact you, please include preferred time and method.
Explore Your Options
Types of Dental Plans:
Indemnity plans this allows you to direct your own health care and visit almost any doctor you like. It offers a broad selection of dental-care providers than managed-care plans. Indemnity plans pay their share of the costs for covered services only after they receive a bill (which means that you may have to pay all the costs up front and then bill your insurance company, which then reimburses you for covered charges).
Managed-care plans require you to use a dental provider network. Dentists participating in a network agree to perform services for patients at pre-negotiated rates and usually submit the claim to the dental insurance company for you. Managed care plans typically come in two varieties: health maintenance organization plans (HMOs) and preferred provider organization plans (PPOs).
- Health maintenance organization plan: in which subscribers pay a predetermined fee in return for a range of medical services from physicians and healthcare workers registered with the organization.
- Preferred provider organization plan: a type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network participating providers. These overall costs less if you use providers that belong to the plan’s network.
Depending on the dental plan you select, numerous regular dental procedures may be covered. It also depends on how long you have had your plan and what percentage is covered by it.
Dental services covered by top dental plans
The costs of dental procedures also vary according to your location and the type of procedure you require. If you have a deductible, you must pay that amount before the insurance company covers any benefits.
Mostly all dental insurance plans cover basic treatments such as checkups, X-rays, and in -depth cleaning. Depending on your plan your option, you may also be covered in full or partially for the following:
- Orthodontia (in some cases)
- Dental implants (in some cases)
- Tooth bonding
Cosmetic treatments typically aren’t covered by most insurance plans. (For instance, you can have your teeth whitened, veneers placed, and gaps fixed, but you will pay for those costs out of pocket.)
If you have any other question or want to get a free quote on dental plans, please contact us at 1-855-745-5422.
What’s Usually Covered in Dental Insurance
The dental insurance policy will cover regular check-ups and cleanings twice a year. However, there may be additional costs for the appointments. Most dental insurance plans will cover the majority or all expenses for:
- Anything related to cavity filling.
- Annual X-rays
- Root Canals
- Amalgam (silver) fillings
- Other necessary repair work
However, policy holders will be responsible for paying a deductible before coverage will be initiated for these types of procedures.
What’s Not Usually Covered in Dental Insurance
This is very important as receiving an enormous bill can cause financial burden. While most dental plans cover basic dental work and preventative procedures, there are some procedures that require waiting periods, or may not be covered. This includes:
- Composite fillings (tooth colored) fillings
- Cosmetic procedures (tooth whitening)
- Orthodontic treatments (braces)
- Dental implants
- Dental care related to a medical condition
To get a free quote on dental plans, contact us at 1-855-745-5422.