Dental Insurance

Dental insurance is slightly less confusing that health insurance but its still pretty confusing. Read this short article to get a sense of how Dental Insurance works. Then check out my recommendations below. Get in touch if you want to talk any of this out with me.

Should You Bite on Dental insurance?

I usually recommend Delta Dental when a client already has a dentist they’d like to keep. This is because Delta has a pretty large network. “Waiting periods”  I recommend the Clear Plan If you think you need work soon and the Premium or Enhanced plan if you dont think you’ll need major work done soon. The progressive plan is also great long term and does not have waiting periods. You just pay a bigger percentage in the first year. You can enroll at Deltadentalcoversme.com

If you don’t have a dentist yet and are trying to keep cost low. I recommend the “Select Plan Premium” from Dominion dental.  Here’s a couple reasons why:

  • No annual maximums – Most plans will only pay out $1000 to your teeth in a year.
  • No waiting periods – Most plans will make you wait 6 months for fillings or 12 months for major work.
  • No Deductibles.
  • Low monthly cost. Around $18 a month.

This gets you 2 cleanings a year for free. If you have a full mouth X-ray on your first visit that is $26.  Everything is based on a list of Co-pays for specific procedures that amounts to around 50-70% off the uninsured rate.  The only down side that I’ve found is the limited amount of dentists in the plan network. You just need to make sure the

It’s pretty easy to sign up through this link.  You are required to pay when you enroll and agree to automatic withdraw from which ever account you pay with. You also need to pick a dentist.   If you recognize any of the other dentist or found one closer to home go ahead and pick them. You can switch dentist at any time.  Write down the dentist’s address and phone number and call them soon to set up your first exam/cleaning/x-ray.

Don’t hesitate to contact me if you hit any snags or have any questions at all.

Joshua D. Viles 

Viles Insurance

Independent Insurance Broker

757-635-3425 Cell

VilesInsurance@gmail.com