Dental Insurance

Most dental care coverage places an emphasis on regular preventive care by covering small routine costs. A thorough examination by the dentist and a set of x-rays are all it usually takes to diagnose a problem.

Dental Insurance is the hardest to find the perfect plan for clients.  Most American's are use to group coverage where as on the indivdual side you have 3 choices.  PPO, Indemnity or Discount plan.

PPO Dental

This plan is an in-network dental plan with copays and waiting periods.  You can go out of network sometimes but it costs more.  They usually have a maximum out of pocket the company will pay annunally from $1000-$1500.

Indemnity

These types of plans pay you for certain procedures.  These too have waiting periods and maximum coverage per year.

Discount Plans

This type of plan have no waiting periods and are much cheaper than the other two.  Only problem here is you have to use the dentists on the network.  Each procedure has a code and it is discounted at great savings 50% or higher.  Most have other benefits such as RX, Vision and more.

To find out more about these plans and if your dentist in on one click the link below or email lbullerman@tampabay.rr.com