Ulness Health offers affordable dental insurance plans from many different companies.
Click on any of the dental providers below to get a quote from that provider and enroll today!
CHOOSING THE RIGHT DENTAL INSURANCE PLAN
Whether it helps you afford preventive oral health services, or aids with unexpected dental expenses, Ulness Health can help you find the right dental plan for you and your family. When considering dental insurance, the most important thing to do is thoroughly review the plan’s details to find out what is covered, what isn’t covered, and what limits the plan has. Unlike health insurance, which is required to cover certain benefits, dental plans are not regulated and may have larger differences from plan to plan.
Insurance can be complicated! Let our team of insurance experts help find the best plan for you.
UNDERSTANDING HOW PLANS WORK
In order to understand your plan, you must thoroughly review its coverages, exclusions, and coverage limits. Be sure to learn the details before signing up. Below are some terms to know that will help you understand your plan.
Premium – This is the most important term to know. The premium is the amount you pay each month for your dental insurance plan. For example: if your plan’s premium is $50 per month, then you will pay $50 each month to keep your plan, for a total of $600 per year. If you don’t pay your premium, your coverage will be terminated.
Deductible – The amount you must pay for covered dental services before the plan will pay. The premium does not count toward your Deductible.
Co-Pay – The co-pay, or co-payment, is a fixed amount you pay for a dental service covered by your insurance plan. The amounts vary depending on the service and the plan, so be sure to check your coverage.
Maximum Benefit – The maximum a plan will pay for benefits during the year. Be sure to know this number if you are planning to have a major procedure performed so you aren’t surprised by a large bill.
Service Categories – Many dental plans sort dental services into different categories, such as Basic, Diagnostic, Preventive, Major, or Orthodontia. The plan will usually cover a different percentage of the cost based on the category. For example: a plan might cover 100% of diagnostic services, but only 80% of preventive services, and only 50% of major services, such as a root canal.
Network – A group of dentists that accept the dental plan. Be sure to check if your dentist is in the plan’s network.
Waiting Period – The amount of time you must wait after enrolling before the plan will provide coverage. Not all plans have a waiting period and not all types of services require a waiting period.
Non-Covered Services – Dental services not covered by the plan. For example, many plans do not cover cosmetic services, orthodontia, or prescription drugs. Be sure to check your plan material so you know what is covered and what isn’t.
Still have more questions?
SCHEDULE A 1-ON-1 MEETING
At Ulness Health, we strive to provide you with the guidance and resources needed to help you understand your health insurance or Medicare plan. We offer free, 1-on-1 meetings throughout the year to assist you in choosing the best plans to meet your health care needs, and to fit your budget.
NOT SURE WHERE TO START?
Simply fill out the form below, and we’ll contact you to help with your next steps.