Dental Insurance

Dental insurance can help pay for the expenses associated with routine dental care and other procedures related to your teeth and gums. This coverage can help you maintain your oral health while reducing your out-of-pocket burden.

The agents at Max Value Insurance Group in Miami, Florida, can talk to you about your dental insurance needs and help you find the optimal plan.

How Does Dental Insurance Work?

Dental insurance plans function similarly to other insurance products—a policyholder holder pays an insurance company a premium and in exchange, the insurance company agrees to provide financial assistance for covered dental care. To receive this aid, the policyholder can work through the claims process or a dental clinic may file the paperwork on the individual’s behalf.

What Does Dental Insurance Cover?

Dental insurance may cover various aspects of oral health care. Although policies vary, they may provide coverage for the following:

·        Preventive care—Dental insurance may cover routine office exams and procedures (e.g., cleanings, x-rays and fluoride treatments). Many dental plans cover most or all of the costs of preventive care.

·        Basic care—Dental insurance may offer coverage for basic care (e.g., fillings and tooth extractions), and some policies may cover a majority of the cost of these services (e.g., 80%) after a deductible.

·        Major care—More extensive procedures such as bridgework, denture repair and complex dental procedures may also be covered. The coverage for these services is commonly around 50% after a deductible.

Your insurance agent can provide more information on covered procedures, deductibles, copays, in-network versus out-of-network care, and coinsurance. Reach out to us for more information.

How Much Is Dental Insurance?

Dental insurance costs vary depending on whether you get coverage from your employer or private insurance. Selected coverages and limits also impact premiums. Consult with our agents for a quote.

Contact Us

At Max Value Insurance Group, we can help you find the best dental coverage for your needs. Contact us today to get started.