Dental Insurance


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Dental hygiene and care is an important part of a healthy lifestyle, and for this reason is appreciated as an added benefit.  Although it’s not just about pearly whites and fresh breath, good oral health can help you maintain a healthy body. Dental Insurance is designed to pay a portion of the costs associated with dental care, with three different types:

  • Indemnity – Allows you to see any dentist you want who accepts this type of coverage, and typically requires you to pay the expenses up-front and get reimbursed from the carrier afterwards.  This plan may be helpful when you want to stay with your dentist and he/she does not participate in a dental network.
  • DHMO – A Dental Health Managed Organization assigns or allows you to select an in-network dentist and/or office.  That provider agrees to accept an insurance fee schedule and give their customers a reduced cost for services.
  • PPO – Preferred Provider Network dental plans are similar to a DHMO while using an in-network facility.  However, it also allows you to use an out-of-network or non-participating provider as well.  Any difference of fees will become the financial responsibility of the patient unless otherwise specified in your dental policy.

Important items to review when purchasing a policy are the copayment requirements, waiting periods, stated deductible, annual limitations, and graduated percentage scales based on the type of procedure and/or length of time you have owned the policy prior to starting your dental work.  Please contact us for a free consultation to review what type of policy will best suit your needs today, and in the future.

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