Dental Insurance and Dental Plan: Which one
insurance and dental plans are offered from major health providers as standalone
policies. With the plan no waiting periods and no annual maximums apply. There
is clearly stated how much you’ll pay for the specific treatment. You have to
select first a participating provider and you pay him/her directly. For a
specialty dentist appointed with the network you receive 25% discount.
insurance, you are free to choose your dentist for preventive and basic
treatments, but the coverage is different for in and out of network. In network
all major treatments as endodontic (root canals), crowns, bridgework, dentures,
etc. are with 28% discount and 0% when out of network. The calendar year deductible is $50 per
individual and up to $150 total for a family and annual maximum use is $1000.
The good news is that the emergency care is covered 50% for in and out of
network providers! Two cleanings per year are FREE and no deductible apply,
X-rays are Free for 1 set per year and excludes full mouth panoramic. Kids use
more advantages as one topical fluoride treatment and sealants once.
I quoted myself
(53 y.old) and a client who is older than me. The monthly premium for the plan
was $14.18 and for the insurance - $19.99. Call or e-mail me for more information.