toothbrush with toothpaste

Finally, a good dental plan for individuals and families

In dental insurance by admin99

Finally, a good dental plan for individuals and families

I’ve been in the insurance industry for almost 25 years now and I am constantly asked if there are any good dental insurance plans. Unfortunately, unless you meet very specific criteria, my answer is usually, “no”. Dental insurance is typically a good purchase for those who have access to group insurance, but not if you are buying it as an individual consumer.
Why?
For a quality plan, premiums are typically between $ 40 and $ 55 a month.
Waiting periods of 3 to 6 months for things like fillings and extractions
Waiting periods for root canals and crowns can be a year or more.
Caps – the maximum most plans will pay out in a year is typically $ 1,000 to $ 1,500.
Now for the Good News!
A dental plan has just been released that solves my objections to the dental insurance dilemma. They have two different plans depending on what you are looking for.

Base Plan

Plus Plan

Preventive Coverage

100%

100%

Filling and Extractions

Up to 50%

Up to 80%

Crowns and Root Canals

Up to 50%

Up to 50%

Implants

Not Covered

Up to 50%

Orthodontics

Not Covered

Up to 50% ($ 1,000 max)

Calendar Year Maximum

$1,000

$2,000

Individual Coverage monthly premium

$21.22

$33.35

Family Coverage monthly premium

$67.90

$121.53