Dental Insurance Plans
Maintaining pearly whites is not just vital for your oral health, but your overall wellbeing. However, dental expenses can quickly add up. At Wilkerson Insurance Agency, we offer a range of dental insurance plans in Dallas, TX, designed to make dental care affordable and accessible to all.
Whether you’re looking for basic preventive care or comprehensive coverage for major dental procedures, our plans can help you manage costs and maintain your dental health.
Types of Dental Insurance Plans
There are two main types of dental insurance plans:
- Individual dental insurance plans
- Group dental insurance plans
Individual dental insurance plans are purchased by individuals and their families. They are typically more expensive than group dental insurance plans, but they offer more flexibility in terms of choosing a dentist and plan benefits.
Group dental insurance plans are offered by employers to their employees. They are typically less expensive than individual dental insurance plans. Hence, they offer less flexibility in terms of choosing a dentist and plan benefits.
Dental plans with various coverages include:
1. Preventive Care Plans
These plans focus on covering routine dental services to maintain oral health and prevent serious issues. Typically, they cover 100% of preventive services, such as:
- Routine cleanings
- Annual exams
- X-rays
2. Basic Dental Plans
Basic plans cover preventive care and also provide coverage for common procedures. Benefits usually include:
- Fillings
- Extractions
- Simple root canals
3. Comprehensive Dental Plans
Comprehensive plans offer extensive coverage for both preventive and major dental procedures. These plans often include:
- Preventive care
- Basic procedures
- Major procedures such as crowns, bridges, and dentures
4. Family Dental Plans
Family dental plans provide coverage for multiple family members under a single policy. These plans generally include:
- Preventive and basic care for each family member
- Discounts on major procedures
5. Dental Discount Plans
Dental discount plans are not insurance but provide access to a network of dentists at reduced rates. Benefits include:
- Discounts on a wide range of dental services
- No waiting periods or annual limits
Dental Plans Insurance and Coverage Options
Dental plans come in various options:
Preferred Provider Organization (PPO)
PPO dental plans offer flexibility in choosing dentists and specialists. You have the option to visit any dentist, but you’ll save more if you choose one within the plan’s network. PPO plans generally feature an annual deductible and maximum benefit limit. If you see a dentist outside of the network, you may face higher out-of-pocket costs, as benefits are adjusted based on the provider’s network status.
Dental Maintenance Organization (DMO)
DMO dental plans require you to select a primary care dentist within the network. All your dental care must be provided by this chosen dentist or referrals within the network. This type of plan typically offers lower premiums and reduced costs for services, but limits your choice of providers to those within the DMO network.
Traditional Indemnity
Traditional indemnity dental plans provide the freedom to visit any dentist or specialist without needing a referral. These plans cover dental expenses up to a specified amount and generally have fewer restrictions compared to other plans. However, the coverage amount is capped, and you may need to pay for any costs exceeding the plan’s maximum benefit.
Dental insurance is a valuable investment in maintaining your oral health and managing dental care expenses. With a variety of plans available, Wilkerson Insurance Agency is here to help you find the right coverage in Dallas, TX, and keep your smile healthy and bright.
