Altura Benefits offers great options for Utah dental insurance. We work with the industry’s top dental insurance companies to provide you with coverage that will take care of your needs and give you a reason to smile.
Dental Select plans are very popular, offering comprehensive coverage and benefits for individuals and families, at a low cost. All preventive exams, cleanings, and fluoride treatments are 100% covered after a low deductible is met on all services.
Delta Dental is America’s largest dental insurance provider and is popular with companies that offer employee benefits. Delta Dental offers PPO, Dental HMO, and discount dental plans.
Spirit Dental, owned by Ameritas Life Insurance Corporation, offers plans with immediate coverage on preventive, basic and major services. Ameritas has one of the nation’s largest dental networks. Spirit Dental offers next-day effective dates, and their plans have lifetime deductibles of $100 per person.
MetLife TakeAlong Dental plans feature shorter waiting periods and annual maximums that are more generous than most plans. For all dental plans offered, members also enjoy the flexibility of a very large national network of dentists.
Every dental plan has its own specific covered benefits, so you should refer to the plan booklet, policy, or fee schedule to learn details about covered procedures, services excluded from coverage, and exceptions.
Dental procedures generally are divided into three categories: preventive, basic, and major. Dental insurance plans in Utah frequently cover preventive care in full or nearly in full. You typically will have to pay a portion of the charge for more extensive care.
Specialty dental areas like orthodontics, periodontics, and prosthodontics might be a covered benefit, but only after a waiting period or with a rider to your policy. Dental plans can elect not to cover some procedures, which will be specified in your policy documents.
Insured individuals pay a monthly premium for participation in the dental plan. Plans usually require a deductible be met before the insurance covers the cost. For example, if a plan has a $50 deductible, you must pay the full $50 out-of-pocket before the insurance company will contribute toward any expense.
Plans require payment of a co-pay or co-insurance amount for covered services. Most dental plans place an annual maximum limit on the amount the insurance will pay during the plan year.
Individuals interested in obtaining dental coverage in Utah can choose among different insurance companies and different types of plans, including the following.
A co-payment, or co-pay, is a fixed amount an insured person pays for covered health care services. In co-pay dental plans, you might or might not have a deductible. Preventive services often are paid in full. Any in-network basic or major covered procedures require a fixed payment according to the plan’s fee schedule.
PPO Co-Insurance Plans
A co-insurance is a percentage an insured person pays for covered health care services. In PPO co-insurance plans, you will likely have an annual deductible to meet. Preventive services usually are paid in full. Basic procedures by contracted dentists typically require a 20 percent co-insurance, and major covered procedures require a 50 percent co-insurance.
Dental Insurance vs. Dental Discount Plans
Both dental insurance and dental discount plans can be useful in reducing your total dental expenses. But the two differ significantly in what is covered and how much you pay for that coverage.
Dental discount plans, unlike dental insurance, do not pay any dental expenses for you. Instead, you receive discounted prices that typically range from 10 to 60 percent from participating dentists. You usually will not have any deductibles, waiting periods, or annual maximums.
Still have questions?
If you have questions or would like an Altura Benefits team member to help you with a dental quote please feel free to call us today!