Dental Plans

There are two ways to decrease dental expenses: purchase dental insurance or dental discount plan. Here is the difference:

Dental Discount Plan has no spending limit because the patient pays 100% of the bill. The patient receives discounted rates for most dental procedures and knows upfront how much he/she is going to pay. The drawback of such plans is that not all dentists will provide their service to the subscriber. Therefore you should make sure that your dentist is on the list. 

Dental Insurance for Individuals and Families has a spending limit per insured between $1,000 and $1,500 a year. Different procedures and services have waiting periods of up to 18 months and require co-payments of up to 50%. For example: a crown may be covered after 18 months on the policy and if the total bill comes up to $1,000 only $500 will be paid by insurance company, the balance is going to be responsibility of a patient. Please keep in mind that your dentist may not accept every insurance policy and you should check with him/her prior to purchasing one to be on a safe side. Because most dental policies are reimbursement ones you always can submit your claim directly to the company and receive reimbursement for the expense incurred according to the terms of your insurance contract.

Two Plans are available now.  Click a link below to learn more about dental coverage, get an instant quote or apply on-line.

Secure DentalOne (Standard Security Life Insurance Company of New York) and

Competitor Smile Dental (Security Life Insurance Company of America).

Call us if you have any questions. We are here to help.