Dental Insurance for Cost Savings Large and Small
Unexpected dental expenses can be very costly. The average cost of a porcelain crown or a root canal without dental insurance is well over $1,000!
Most dental insurance plans include coverage for 3 types of dental expenses:
- Preventive care – this category typically includes check-ups, teeth cleanings, and preventive X-rays.
- Basic dental services – this category typically includes cavity fillings, simple tooth extractions, and X-rays associated with basic dental services.
- Major dental services – this category typically includes crowns, root canals, and deep gum cleanings. Some plans may even cover dental implants or orthodontia.
Some dental plans have waiting periods for benefits for major dental work like crowns and root canals. Others offer benefits that gradually increase over the first year or two of the policy.
Here is an example of one of our most popular dental plans from Manhattan Life. Premiums start at only $27.12 per month!
| In-Network | Out-Of-Network | |
|---|---|---|
Preventive Services
|
100% of contracted rate | 80% of UCR |
Basic Services
|
65% of contracted rate 1st yr. 80% thereafter | 65% of UCR 1st yr. 80% thereafter |
Major Services
|
20% of contracted rate 1st yr. 50$ thereafter | 20% of UCR 1st yr. 50% thereafter |
| All Other Medically Necessary Services (services not listed above) | 20% of contracted rate 1st yr. 50$ thereafter | 20% of UCR 1st yr. 50% thereafter |
Orthodontia
|
Year 1 - N/A Year 2+ - 50% | N/A |
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