Dental Insurance Questions and Answers
Why do I need dental insurance?
Everyone has teeth, and going to the dentist can be expensive. Our dental insurance plans provide for two (2) FREE dental cleanings and exams every year! Regular cleanings help you maintain good dental health.
There are many reasons to maintain good dental health. A healthy smile is a great way to improve your appearance, and poor oral hygiene has been linked to several more serious health problems including heart disease.
You don't want to sacrifice your health over a few dollars a month. It's just not worth it.
Individually Purchased Group Dental Insurance from American Denticare
We are very pleased to offer an association group dental plan that may be purchased individually. You may use this web site to review benefits, request a rate quote, join the association and enroll for coverage or simply request additional information and enrollment package.
| Plan 107 | Plan 108 | |
| Calendar Year Maximum Benefit | $1,000 | $1,500 |
|
|
||
| PREVENTIVE - Exams, X-Rays, Prophylaxis (Cleanings), Flouride, Sealants, Space Maintainers | You Pay $0 |
You Pay $0 |
| Calendar Year Deductible | $0.00 | $0.00 |
| Percentage paid by Plan | 100% | 100% |
| Waiting Period | 3 months | 3 months |
| |
||
| BASIC - Restorative Fillings, Denture and Bridge Repair, Tissue Conditioning, Non-Surgical Extractions, Anesthesia in connection with covered procedures | You Pay 20% |
You Pay 20% |
| Calendar Year Deductible | $50.00 | $50.00 |
| Percentage paid by Plan | 80% | 80% |
| Waiting Period | 6 months | 6 months |
| |
||
| MAJOR - Crowns, Inlays, Onlays,Installation of Bridges and Crowns,Endodontics, Root Canals, Peridontics,Gum Disease Therapy, Oral Surgery | You Pay 50% |
You Pay 50% |
| Calendar Year Deductible | $50.00 | $50.00 |
| Percentage paid by Plan | 50% | 50% |
| Waiting Period | 12 months | 12 months |
| |
||
| OPTIONAL ORTHODONTIA (Braces) |
You Pay 50% |
You Pay 50% |
| Calendar Year Deductible | $0.00 | $0.00 |
| Percentage paid by Plan | 50% | 50% |
| Calendar Year Maximum Benefit | $500 | $500 |
| Lifetime Maximum Benefit | $1,000 | $1,000 |
| Waiting Period | 24 months | 24 months |
Premiums as low as:* |
$19.98* | $21.98* |
* Monthly premiums vary by state and zip code. Monthly premiums do not include monthly billing fee, annual association fee, or one-time setup fee. Use our get quote feature to see all costs associated with our dental insurance plans.
SPECIAL NOTES: Benefit percentages are paid based on a usual and customary fee schedule. The fee schedule has been calculated in a method that will pay full percentage of approved charges at a high majority of dental offices. If you are concerned about this you may ORDER A COPY OF THE FEE SCHEDULE to determine that this coverage is right for you, follow the link to Request Information.
DISCLAIMER: This is only intended to be a brief summary of certain benefits available within the dental program. IT IS NOT INTENDED TO BE A POLICY, A CERTIFICATE OF INSURANCE, OR A SUMMARY PLAN DESCRIPTION. There are many provisions, limitations, and exclusions that will affect coverage. We will be happy to provide a sample policy for your review, follow the link to Request Information.
