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Individual Dental Insurance Plans

Individual Dental Insurance Plans

While many people have dental coverage through an employer, some discover their group dental and health insurance package doesn’t cover much outside of a routine cleaning. Individual dental insurance can offer policyholders more comprehensive coverage than what may be provided through a group plan. Unlike group dental plans that are offered through an employer, individual dental insurance is purchased directly by the consumer and may provide additional flexibility to deal with a range of dental issues and financial circumstances.

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Individual Dental Insurance Plans

Why individual plans?

Individual Dental Plans for Additional Coverage

For those seeking improved dental coverage, individual plans can offer insurance for more complex procedures like root canals, crowns or orthodontics, while also covering basic cleanings and yearly exams - a combination of offerings which packaged plans might lack. In those cases, the insurance brokers at Ansay & Associates are here to help people find the best plan offering affordable dental care, keeping them happy and healthy.

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What's Covered?

Coverages Offered by Individual Dental Insurance

There is a wide range of dental coverage plans available, with varying degrees of coverage and advantages. Having a team like Ansay in your corner to help you discern what dental plan is right for your needs is crucial.

Types of Services Covered by Dental Insurance

The services covered by any plan will vary, but the most common dental procedures covered include:

Preventative Care

Most plans will provide coverage for the essential dental services, including: 

  • Yearly Exams
  • Cleanings
  • Mouth X-rays

Basic Dental Procedures

There are many plans available that extend beyond basic dental services and into more complex procedures such as:

  • Cavity Fillings
  • Tooth Extractions
  • Periodontal Treatments

Major Dental Procedures

Some dental insurance will cover (fully or partially) in-depth procedures that are the most expensive out of pocket, such as:

  • Root Canals
  • Crowns
  • Bridges
  • Dentures & Partials

Orthodontics

Coverage for braces and aligners are typically offered as an add on, though some plans may cover them as part of their base offerings.

What are the options?

Types of Individual Dental Insurance Plans

Each type of individual dental insurance plan offers different combinations of out-of-pocket-costs, deductible & premium costs and benefit structures. Some plans may have low premiums, but a fairly restrictive network of available dentists or a narrow selection of covered procedures. Others may be much more open to a wide network of dentists and procedures.

Ansay’s insurance experts will help you get the coverage that aligns best with your needs without breaking the bank. Some typical types of individual plans include:

Preferred Provider Organization (PPO)

These plans provide a network of dentists you can visit at lowest cost, with some flexibility to go out of network - but it will cost more. Even within the network, the policyholder will often be responsible for a copay, which is a percentage of the reduced cost of using the network. The majority of all dental plans are PPOs.

Health Maintenance Organization (HMO)

HMOs operate on an agreed upon fixed monthly premium and focus on covering basic services like regular cleanings, checkups and periodic x-rays. HMO networks are typically smaller and offer less flexibility for out of network coverage than a PPO, but do so in exchange for lower monthly premiums.

Fee-For-Service Plans

The main feature of Fee-For-Service Plans (sometimes called dental indemnity plans) is the size of the network of dentists the policyholder gets to choose from. Like a PPO, the holder pays for a percentage of the service out of pocket, but in exchange for network flexibility, these copays are usually higher than a PPO, while the premiums are often lower.

Ansay helps you choose an individual dental plan

Choosing the right dental plan is essential to keeping good oral (and overall) health without paying too much out of pocket. The team of insurance advisors at Ansay will work with you to get the proper coverage to fit your needs, with a premium structure that keeps things affordable. By assessing our client’s individual needs and helping them compare plans, the policyholders working with Ansay get the peace of mind that they won’t be in financial trouble if the worst should happen, and they’ll keep healthy through a plan that covers their dental care requirements.

Contact the experts at Ansay for Dental Insurance coverage today.

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Find the individual dental plan you need with help from our team of personal insurance brokers. Contact us to start a chat!

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