This guide will help you understand the importance of dental insurance, determine if an individual plan is right for you, and provide tips for selecting a dental plan.
Why do you need dental insurance?
Oral health is closely linked to your overall health. Dental disease can lead to cardiovascular disease, respiratory illness, diabetes and other health issues. With regular exams and cleanings, your dentist can help identify warning signs and symptoms of these diseases, before they become larger problems.
Dental insurance is important because prevention costs less than treatment. Most benefit programs, including Delta Dental Individual and Family plans, emphasize prevention and include incentives for receiving regular preventive care. This is because it typically costs less to prevent dental disease than to perform major restorative work later. Typically, individuals with dental insurance are more likely to visit their dentists more often, resulting in better oral health and lower treatment costs down the road.
Is an individual plan right for you?
If you are a Kansas resident, age 18 or older and any of the following apply to you, a Delta Dental Individual and Family plan is the right choice for you!
ü Employed or self-employed without dental coverage
ü Unemployed without dental coverage
ü College student or recent graduate ineligible under parents’ dental plan
ü Retiree looking for a transition from an employer plan
If you've purchased an individual medical plan without pediatric dental and are looking for an exchange-certified pediatric dental plan, these plans are for you!
ü Pediatric coverage for children age 19 and under only (no adult coverage)
ü Offers pediatric oral essential health benefits as addressed in the Affordable Care Act
Things to consider when choosing a dental plan:
Network. Ask you dentist which networks he or she participates in. Chances are he or she participates in Delta Dental's networks. More than 50% of the dentists in Kansas participate in the Delta Dental PPOSM network and more than 90% of Kansas dentists participate in the Delta Dental Premier® network. Delta Dental has the largest national network which means you'll find quality dental care wherever you are. Under all Delta Dental Individual and Family plans you are free to see the dentist of your choice, but maximize your benefits by utilizing a Delta Dental PPO provider. Under the Exchange-Certified Pediatric Oral Essential Health Benefits, Delta Dental PPO is in-network while all other providers are out-of-network.
Experience. At Delta Dental, dental is all we do. Delta Dental is the most experienced dental benefits company in the nation. Member companies provide coverage for more than 59 million Americans in all 50 states and Puerto Rico, more than any other insurer. We provide our members with best-in-class customer service - our phones are answered by a live person within six seconds and all of our Customer Service representatives have prior dental office experience.
Coverage. When comparing plans, you should consider the annual maximum, the deductible, any waiting periods and what services are covered. We know the importance of preventive dental care.
next: Why Choose Delta Dental of Kansas?
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