Similar to Group Dental plans, Individual plans are designed to help offset dental expenses that are incurred by the covered individual or their families. The benefits may include:
Diagnostic and Preventative:
This level of service includes examinations, cleaning and X-rays.
Scaling, fillings, extractions, periodontics (gum disease) and endodontics (root canal) may be required.
Crowns, inlays, bridges and dentures.
Braces are used to align teeth. Most plans only cover dependants under the age of 19 for this benefit. Adult orthodontia coverage is available.
Benefits often have a coinsurance to reduce cost and share the responsibility of dental health. Diagnostic, Preventative, and Minor Restorative are often reimbursed at 70%-100% up to an annual maximum of between $500 and $1,500. Major restorative claims are often reimbursed at 50% up to an annual maximum of $500 – $1000. Orthodontic claims are often reimbursed at 50% up to a lifetime maximum of $500 – $1,000.