Dental Insurance

Each type of Dental Insurance has its own characteristics and conditions of coverage. The choice of the appropriate plan depends on individual needs, the network of available providers and the insured’s budget. It is important to carefully review plan details, including covered services, cost-sharing and restrictions, before selecting dental insurance.

Types of dental insurance

There are several types of dental insurance available, each with specific features and coverages. Here are some of the most common types of dental insurance along with their main features.

Preventive Dental Insurance

Primary Coverage: Focuses on prevention and maintenance of oral health.
Includes: Routine dental exams, cleanings, x-rays and dental sealants.
Cost: Generally has lower monthly premiums and low or no copayments for preventive services.

Basic Dental Insurance

Primary Coverage: Provides limited coverage for basic procedures.
Includes: Caries treatments, extractions and some types of radiographs.
Cost: Monthly premiums are moderate and generally has an annual deductible.

Major Dental Insurance

Major Coverage: Offers broader coverage that includes basic and major procedures.
Includes: Crowns, bridges, endodontics (root canals), and possibly orthodontics.
Cost: Monthly premiums are higher than preventive or basic insurance, but offer greater coverage for more expensive treatments.

Dental Discount Plans

Features: They are not insurance per se, but provide discounts on dental services in exchange for an annual or monthly membership fee.
Includes: Discounts on a wide range of dental treatments at a network of participating providers.
Cost: Cheaper than traditional dental insurance, but discounts may be less predictable.

How can I help you?

Here are the two dental coverages we offer, each with completely different features and benefits.

1Dental Company — This is a **Dental Discount Plan**which does not include preventive services for your monthly payment.

Cigna Company — This is a **Major Dental Insurance**and preventive services are included in the monthly payment for coverage.

The importance of dental insurance lies in several key aspects

Promote oral health: Dental insurance encourages prevention by covering or subsidizing the costs of regular exams, cleanings and basic treatments. This helps people maintain good oral health and detect dental problems early, which can prevent more serious complications in the future.

Facilitating access to dental care: The high cost of dental treatment can be prohibitive for many people. Dental insurance reduces this financial barrier by sharing costs between the insured and the insurance company, making dental care more affordable.

Reduce unexpected expenses: Dental problems can arise suddenly and require costly treatments. Having dental insurance can help mitigate these unexpected expenses and provide a financial back-up in case of dental emergencies.

Encourage preventive care: By covering preventive services such as regular exams and cleanings, dental insurance encourages healthy habits and helps prevent oral diseases that could be costly to treat in advanced stages.

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