dental insurance North Carolina
Preventive dental care can save you money by keeping your mouth protected from more serious dental issues. Besides protecting your smile, regular dental check-ups help monitor your overall health. Many risks, such as diabetes, oral cancer, and heart disease can be detected early on by a dentist.
Most of the major Insurance providers make Dental Insurance plan available at a reasonable rate. Some of the plans are tied to your health insurance but some are available independently, In NC Average Dental insurance cost for individuals is$ 15/monthly.
For most of us who work and get medical benefits through our employer, once a year we are asked to select a cheap insurance plan as part of our health group benefits. Every year we are also given a choice to add coverage for dental and stand-alone vision plans in North Carolina.
Most of the time you will come out as a winner since dental and vision packages can save you a lot of money in the long run.
Dental and vision insurance are two common add-ons that you can get in addition to your regular insurance which can save you thousands of dollars in medical treatment every year.
• Dental insurance covers issues related to the teeth and gums, as well as preventative care such as annual cleanings.
• Not all procedures are covered; for example, cosmetic procedures, such as crowns or teeth whitening, are not.
• Deductibles, co-pays, and coinsurance will apply, and many policies have annual coverage maximums that are relatively low, ranging from $700 to $2,000 in many cases.
Waiting Period for Dental Insurance
Most dental insurance policies have waiting periods ranging from 0 to 12 months before any standard work can be done.
Waiting periods for major work are typically longer and can be up to two years. These periods are set in place by insurance companies to guarantee that they profit off a new account and to discourage people from applying for a new policy to cover impending procedures.
Deductibles, Co pays, and Coinsurance
An insurance deductible is the minimum amount that must be paid before the insurance policy pays for anything.
For example, if the deductible is $100, and the covered individual’s procedure is $79, the insurance does not kick in and the individual pays the entire amount.
Co-pays, which are a set dollar amount, may also be required at the time of the procedure.
When a dental deductible is met, most policies only cover a percentage of the remaining costs. The remaining balance of the bill paid by the dental insurance company
Here are some of the Companies that offer Individual dental insurance North Carolina.
Ameritas individual dental insurance is an affordable way to maintain dental health when you are not covered through an employer. And having your own plan means its portable– you can take it with you if you retire, change jobs, start your own business, or take a sabbatical.
Ameritas Dental Plan Highlights available in NC.
• Each plan provides a different level of benefits to meet your individual needs.
• All plans cover preventive services, such as an annual dental exam and cleaning, at 100% when visiting a network provider.
• You have the freedom to use any dentist with the opportunity to save an average of 30% with an Ameritas Dental Network provider.
• If you know your dentist is in the Ameritas Dental Network, take advantage of one of the “network” plans to save money on your monthly premium.
United healthcare dental North Carolina.
Dental insurance plans are underwritten by Golden Rule Insurance Company and include a range of options so you can find one that’s most affordable for you.
With a variety of plans available, you can find basic dental coverage for general dental care or choose coverage for major care, such as dental implants.
Cigna Dental Insurance Plans North Carolina.
You can take advantage of Cigna dental coverage with or without a Cigna medical plan. CIGNA dental preferred provider organization (DPPO) Dental plans offer affordable dental plan options to people of all ages, nationwide. Over 15 million U.S. consumers choose Cigna dental insurance.
With payments as low as $19 a month and low rates at over 90,000 dentists nationwide, our dental insurance plans keep you smiling– start comparing plans in your city and save.
Albemarle, Apex, Asheboro, Asheville, Boone, Carrboro, Cary, Chapel Hill, Charlotte, Concord, Durham, Eden, Elizabeth City, Fayetteville, Garner, Gastonia, Goldsboro, Graham, Greensboro, Greenville, Havelock, Henderson, Hickory, Jacksonville, Kannapolis, Kernersville, Kinston, Laurinburg, Lenoir, Lexington, Lumberton, Matthews, Monroe, Mooresville, Morganton, New Bern, Newton, Raleigh, Reidsville, Roanoke Rapids, Rocky Mount, Salisbury, Sanford, Shelby, Smithfield, Southern Pines, Statesville, Tarboro, Thomasville, Wake Forest, Wilmington, Wilson, and Winston-Salem.
Humana Individual and family dental insurance in North Carolina.
Easily find a dentist near you, Multiple plan types to meet your needs.
Choose from PPO, DHMO, discount, and value plan Affordable plans.
Dental insurance for every budget.
Aetna Dental ® Direct plan for individuals.
You can enroll in an Aetna dental plan even if you don’t have dental insurance through your employer. With Aetna Dental Direct, you’ll get the coverage you need to keep your teeth healthy. And you don’t need to have Aetna medical or other coverage with us to qualify. Unlike discount programs, Aetna’s dental plan covers preventative treatment 100% with no out of pocket cost. Making the switch from another dental plan? While most dental plans require a waiting period for major services like crowns or root canals, if you switch from your existing comparable plan to an Aetna plan, we will waive your waiting period so you can start using your plan right away