Do you have questions about switching to a group dental insurance plan? In this blog, we explain what you need to know about these insurance plans so you can make sense of your policy.
Your Deductible
Most group dental plans include a deductible, which is the amount you have to pay before your insurance can be applied. If you have a $50 deductible, you must pay for $50 of dental care before your insurance will start covering services. Most plans waive deductibles for Diagnostic & Preventive services, but some don’t. You should check the policy details to find out which deductibles can be waived.
Your Plan Maximum
Group dental plans include a maximum payment, which is the highest dollar amount that a dental plan will cover for a specific amount of time. If you have an annual maximum of $1,500; your plan will cover $1,500 of dental services for the entire year. If your plan has orthodontic coverage, you will have two maximums covering separate dental services.
Service Classes
In addition to your deductible and plan maximum, you need to be aware of the different dental service classes:
- Diagnostic & Preventative: Cleanings, exams, basic x-rays, fluoride, and sealants
- Basic Services: Fillings, extractions, root canals, and periodontal services
- Major Services: Implants, dentures, advanced oral surgery, and crowns
- Orthodontics: Braces
Are you interested in getting a dental plan to help cover costs for unexpected dental care? Then call (888) 451-0883 today to schedule your consultation with one of our insurance administrators.