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Dental Insurance

Dental insurance is quickly becoming the most requested insurance product we offer. Many customers have health insurance but no dental or vision. Dental health is also critical to an overall state of wellness.

Important factors to consider regarding dental insurance include: Do you have a current dentist? Are you in pain? Do you have symptoms of dental disease such as bleeding gums, swollen gums or bad breath? Is cost an issue?

Daniel Insurance Agency Inc can help you determine if a HMO or PPO plan is best for you and recommend a plan.

For more information or assistance, contact Daniel Insurance Agency Inc by completing the contact form below, or click HERE to find dental and vision plans in your area.

WHICH DENTAL PLAN IS BEST FOR YOU?

Do you have a preferred dentist you want to see? YES – PPO Plan / NO – HMO Plan

Are you in pain and need to see a dentist as soon as possible? YES – HMO Plan / NO – PPO Plan

Are you concerned about the cost (PPO $50/$100; HMO $9/$15)? YES – HMO Plan / NO – PPO Plan

HMO Dental Plans
Positive features of a HMO dental plan include:

No waiting periods * Low costs * No annual maximums * No deductibles * Fee schedule versus co-insurance

Negative features of a HMO plan include:

Must use network dentist * Limited number of network dentist

Preferred HMO Plan: Delta Dental “Dental Care” Plan
PPO Dental Plans
Positive features of a PPO dental plan include:

Can use in-network or out-of-network dentists * Preventive services at no cost * Can be bundled with vision plans * Fixed co-pays and co-insurance

Negative features of a HMO plan include:

6-month waiting period for basic services * 12-month waiting period for major services * Annual maximums * Most plans have annual deductibles

Daniel Insurance Agency Inc Preferred PPO Plans: Blue Shield Specialty Duo PPO