How do DENTAL PLANS Work
About Dental Insurance
Dental coverage allows consumers to get routine exams and cleanings needed to maintain dental and overall health. In fact, research shows that more than 90% of all diseases and illnesses manifest orally; including diabetes, heart disease, and cancer. At Key Health Plans, we believe that oral health is essential for everyone. We are determined to simplify the insurance search process to save you both time and money.
Dental insurance is organized to help you save money on dental services of all levels:
Understanding Dental insurance and what is or isn’t covered is key to finding the right plan for you. The level of dental services you’re looking to have covered will determine the type of dental plan you will need.
Call us today 1-855-745-5422, an agent can assist you with more information on dental plans.
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
Dental plans typically fall under one of the three categories:
- Employer-based: this insurance is offered to the full- time employees and gives them affordable coverage.
- Self-purchased- this plan is purchased by individuals who choose to have their own plan at affordable rates. This will have a separate additional premium.
- Riders- add- on to the primary policy, which offers benefits over and above the policy subject to certain conditions.
The cost of dental insurance is greatly reduced considering the impact on overall health and prevention of other illnesses. Key Health Plans’ main goal is to offer the best dental care insurance plans and at affordable rates. Key Health Plans offers dental insurance policies that cover distinct categories of service, routine examinations and cleanings to more vigorous tasks such as root canals, extractions and orthodontic procedures.
Basic dental coverage takes care of routine check-ups, X-rays, and cleanings, sometimes deep cleaning. There are individuals who seek dentists only when they face major oral problems. Thus, they do not get routine check-ups done regularly. This leads to problems that may have been subsequently avoided and adding to the costs of total health care. Hence, being able to provide customers with outstanding dental health insurance is our goal.
Key Health offers these carriers:
|Stand Alone/Self Purchased||Employer-based|
|Aliera||Blue Cross Blue Shield|
|Ameritas||United Health Care|
|United HealthOne||Scott White|
Two types of health insurance:
- High Coverage Insurance Plan: there will be higher levels of coverage usually with low copayments and deductibles. This basically means that you will pay a higher premium price every month however, a lower cost when accessing the dental services.
- Low Coverage Insurance Plan: in this plan there will be a lower coverage level and a lower monthly premium, but with higher copayments and deductibles.
Children and Adult’s dental insurance:
According to the study conducted by the Centers for Disease Control and Prevention; the number of cavities in children have increased significantly from the ages between 2-5. It is very important that children visit their dentists regularly to start preventive dental care at an earlier stage. Current healthcare laws (Affordable Care Act), dental coverage for children is part of essential health benefits, but this does not apply for adults.
Children’s oral health care is very essential; they must be guided towards the correct path as children. This will help them continue the norm when they grow up to be adults. Children can stay on the parent’s plan until they are 26 years old, but dental stops after 18th birthday. This works through the parents’ healthcare insurance (ACA) or provided by a stand-alone plan. Adults must have a separate policy to utilize the benefits. Key Health Plans wants to help you from the beginning, so reducing the financial burden in the future.
Key Health Plans genuinely cares for their customers and will provide the appropriate plan to meet for needs and budget. To select the correct plan for you or/and your children contact us for a free quote on dental plans at: 1-855-745-5422.
Services Covered with Dental Insurance
Whether you currently have coverage or not, you should understand the basics of dental insurance.
A dental insurance policy will normally cover services like: dental exams, fillings and cleanings – twice a year. However, if your dental policy has a deductible, that amount must be met before any services are covered.
To shop and compare dental plans, contact us at 1-855-745-5422.
Other services covered in dental insurance:
- Cavity Fillings
- Annual X-rays
- Root Canals
Consumers usually search for dental coverage once they need a specific service. Don’t delay shopping for coverage, as most dental plans have waiting periods up to a few months before coverage begins.