Your oral health is closely linked to your overall health, so regular visits to your dentist are very important. Having dental insurance means that you and your family can get checkups, cleanings, and routine dental care without having to worry about big bills. If you’re worried about the hassle of looking for another insurance policy, or about the expense, just spend a few minutes with BiG. There are a number of dental plans available that offer different types of coverage at different price points, so we guarantee we’ll find you the right option at the right price.
Dental Plans Can Include:
Preventive Care” routine oral exams,cleanings,and fluoride treatments for those 16 years or younger.
Basic Services: includes fillings, extractions, and emergency treatment.
Major Services: bridges, crowns, and root canals. Usually you will first need to meet the plan’s deductible for these services to be paid for.
Large Dental Network: you can visit thousands of dental offices within your network.
Direct Payment Plan: your bills are paid directly to the provider with no need to submit claim forms.
As with any insurance plan, you need to weigh how much coverage you want against how much you are willing to pay. Some dental insurance plans offer more benefits than others, but come with a bigger price tag. If you want root canals and retainers covered with little to no out-of-pocket costs, then you will have to pay a little more in monthly premiums.
Different Coverage Plans
PPO Plans: fewer limitations on which dentist you can see. You do not need to go to in-network dentists, but you will pay more out-of-pocket if you choose to see an out-of-network dentist. These plans have an annual deductible that you need to meet, as well as copayments for procedures, but there is an out-of-pocket maximum.
DHMO Plans: a very limited choice of dentists. With these plans, you need to choose one dentist from the plan’s network, and any out-of-network treatment will not be covered. There is no annual deductible or out-of-pocket maximum, but you will pay a copay for certain procedures.
Indemnity Plans: fewer limitations; you can see any dentist you want. You pay your dentist directly for any services, and then submit a claim to your insurance company for reimbursement. Your insurance company will generally cover a percentage of the total cost.
Dental Discount Plans: no coverage network. Visits to your dentist are discounted, but paid for entirely out-of-pocket. You pay an annual fee instead of a monthly premium, and this annual fee gets you a dental discount card which you present at each visit. There is no deductible or out-of-pocket maximum for these plans.