Do you currently have a tooth ache, need a root canal or other dental procedures and do not have dental insurance? Most people are terrified of going to dentist without dental insurance because of the high costs associated with dental services. Readers of consumer information site CostHelper.com report paying $80 to $175 for just a routine cleaning performed by a dental hygienist (an average of $127) and anywhere from $114 to $320 for a complete teeth cleaning appointment that typically includes dental X-rays and an exam by a dentist (an average of $198). In addition, a major consequence of avoiding necessary dental services is the potential for heart disease. Studies have found a link between heart disease and periodontal disease – a condition marked by gum infection, gum inflammation and tooth damage. Bottom-line, poor oral health is associated with poorer heart health.
Compare Dental Insurance
There are hundreds of dental insurance options and the shopping process can be overwhelming for most consumers. With 20+ Years of experience in the insurance industry, we are going to make this process very easy and simple. There is no such thing as the best dental insurance or the Cadillac of dental plans. It all depends on each individual’s unique and specific needs. We always start a client conversation with a 2 step needs analysis to appropriately recommend the best dental insurance.
Step 1: Immediate Dental Service Needs
Your immediate dental service needs will be the key factor in our dental insurance plan recommendation. For example, if you need immediate basic or major services such as a tooth extraction or root canal, I will recommend a HMO Plan offered by Humana. Why you might be asking. The Answer is simple. Most dental insurance plans have waiting periods before they will cover dental services. For example, for basic services such as fillings and tooth extractions, most plans have a 6 month waiting period. For major services, such as crowns, root canals and oral surgery, they have a 12 month waiting period, are not covered or cover very little towards the service during the first year of coverage.
Step 2: Dentist Provider Network
If you don’t have an immediate need for dental services then our next area of focus will revolve around your existing dentist. If you are happy with your existing dentist, then we will ensure that the provider is in-network with the dental insurance I recommend.
Why Humana Dental Insurance?
The Humana Dental Value Plan (HI215) has you covered for any circumstance. Whether you simply need quality routine dental care or unexpected dental treatment, you know what to expect with best Humana Dental Plan.
- Affordable monthly premiums as low as $12.99
- No waiting periods: Most other plans have 6 or 12 month waiting period
- No annual maximums: Most plans only cover $1,000 or $1,500 per calendar year
- Fixed Co-pays for all services: No deductibles or coinsurance to worry about!
- Preventive Care covered 100%: 2 teeth cleanings per calendar year
- Over 225,000 in-network dentists and specialists
- No claims to file
For a free no-obligation quote, click or call today1-800-619-8950
