• Home
  • Currently Insured?
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us CALL US TODAY | (732) 295-5584 | INEAGENCY@GMAIL.COM
Home
  • Home
  • About Us
    • About Us
    • Benefits of Using an Independent Agent in Freehold, NJ
    • Why Use an Independent Insurance Agent in Point Pleasant?
    • Location Map
    • Privacy Policy
    • Event Calendar
  • What We Offer
    • Annuities
    • Automobile
    • Bonds
    • Business & Commercial
    • Dental
    • Flood
    • Homeowners
    • Life & Health InsuranceImage of right arrow
      • Jackson Township Life Insurance
    • Limousine
    • Recreational Vehicle
    • Renters
    • Retirement Planning
    • Trucking
    • Watercraft & Boat
  • Get A Quote
    • Quote Forms
    • Auto Insurance Quote
    • Bond Request Form
    • Business & Commercial Insurance Quote FormsImage of right arrow
      • Builders Risk
      • Business Owners (BOP) Quote Form
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Dental Insurance Quote
    • Earthquake Quote
    • Flood Quote Form
    • Health Insurance Quote FormsImage of right arrow
      • Disability Insurance Quote
      • Health Insurance Quote
      • Long Term Care Insurance Quote
    • Homeowners Insurance Quote FormsImage of right arrow
      • Homeowner Flood Quote Form
      • Homeowners Insurance Quote
    • Life Insurance Quote FormsImage of right arrow
      • Life Insurance Quote
      • Senior Life Insurance-Final Expense Insurance
      • Term Life Insurance Quote
    • Limousine Quote
    • Recreational Vehicle Insurance Quote
    • Renters Insurance Quote
    • Retirement Plans
    • Truck Quote Request
    • Watercraft Insurance Quote
  • Currently Insured?
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Free Reports
    • Make a Payment
    • Insurance Glossary
    • Customer ServiceImage of right arrow
      • Customer Service Forms
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Insurance AUTO Read More
Home & Flood Insurance HOME & FLOOD Read More
Business Insurance BUSINESS Read More
Life & Health Insurance LIFE & HEALTH Read More
Watercraft Insurance WATERCRAFT Read More
Retirement Planning RETIREMENT PLANNING Read More
Home > Blog > Dental Insurance 101
WEDNESDAY, JANUARY 15, 2020

Dental Insurance 101

FOR IMMEDIATE RELEASE:

Contact: Amanda Edmunds
I & E Insurance Agency

www.getinsurancequotetoday.com

732-295-5584 
ineagency@gmail.com

 

What is Dental Insurance?

Did you know that about 27 percent of American adults have untreated cavities? Did you know that over half of adults suffer from some level of gum disease? These dental conditions are easily treated yet many people fail to seek treatment due to the high cost of dental care. Dental insurance pays a portion of the costs associated with preventative exams and restorative treatment of dental conditions. It offsets the high cost of dental care, but to get the most of your benefits, you must first understand your policy and your options. There are several different types of dental insurance plans: Preferred Provider Organizations (PPO), Dental Health Managed Organizations (DHMO), and Indemnity Plans. Preferred Provider Organizations (PPO) Under a PPO, you are reimbursed for a portion of the costs associated with care for a select number of covered services. While you could get services from any licensed dentist, choosing an in-network provider will result in lower out-of-pocket costs. Dental Health Managed Organizations (DHMO) Under DHMO, you must pick an in-network dentist to act as your primary care provider. From there, you encur benefits when receiving care, but only if you receive care from your primary care provider or a dentist referred by them. Indemnity Plans Under an indemnity plan, you are reimbursed for a portion of the costs for covered services of any licensed dentist.

Dental Insurance vs Medical Insurance

Though both medical insurance and dental insurance provide coverage for regular preventative care, there are some distinct differences between both. Medical insurance only covers the costs associated with dental services in limited situations - like complicated surgeries or damage as the result of an accident. Conversely, dental insurance typically covers the routine with the exception of a few non-routine services. These non-routine services are covered at a lower rate than routine care.

What do Dental Plans Cover?

Dental plans don’t cover any cosmetic dental procedures like bleaching or complicated surgeries done in a hospital. That said, dental insurance plans provide coverage for:

  • Exams
  • Teeth cleanings
  • Fluoride treatments
  • Sealants
  • X-Rays
  • Fillings
  • Extractions and other surgery procedures
  • Periodontal treatments
  • Root canals
  • Crowns
  • Bridges
  • Dentures
  • Orthodontics (for children up to 19)
  • Emergency services and anesthesia

Why Do I Need Dental Insurance?

Put plainly, dental insurance limits the financial risk of many major dental expenses. Because dental insurance covers routine visits, this is also an affordable way to ensure that you are receiving the care that you need to maintain good oral health. For children, dental insurance is especially important as establish good oral health routines and habits creates a solid foundation for the long-term and into adulthood. Looking into a dental insurance plan? Reach out to I & E’s experts. We will make sure to provide you with a plan that suits all of your needs and meets your budget.
Posted 6:12 PM

Tags: dental insurance, insurance, dental, insurance, dental insurance new jersey, medical insurance, medical, medical insurance new jersey, jersey, insurance jersey shore, insurance new jersey
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013

  • insurance(48)
  • flood insurance(29)
  • home insurance(21)
  • auto insurance(18)
  • seaside(15)
  • disaster(15)
  • point(15)
  • high end(15)
  • ocean(15)
  • mantaloking(14)
  • life insurance(13)
  • commercial insurance(12)
  • business insurance(10)
  • insurance new jersey(10)
  • property insurance(9)
  • nj home insurance(9)
  • coastal home insurance(8)
  • coverage(8)
  • nj flood insurance(8)
  • insurance jersey shore(8)
  • flood(7)
  • homeowners insurance(7)
  • liability(7)
  • car insurance(6)
  • retirement(5)
  • blog(5)
  • new jersey insurance(5)
  • best insurance agency of ocean county(5)
  • auto(5)
  • nj auto insurance(5)
  • home insurance quotes(5)
  • bolg(5)
  • workers comp insurance(5)
  • annuities(5)
  • retirement planning(5)
  • insurance quotes(5)
  • coastal property insurance(4)
  • policy(4)
  • small business insurance(4)
  • get a quote(4)
  • classic car insurance(4)
  • life(4)
  • health(4)
  • planning(4)
  • ira rollovers(3)
  • boat insurance(3)
  • ocean county flood insurance(3)
  • affluent home insurance(3)
  • how much is classic car insurance(3)
  • top nj insurance agents(3)

View Mobile Version
Facebook
Narragansett Bay logo
UPC Insurance logo
Travelers logo
The hartford logo
metlife logo
new jersey skylands insurance logo
progressive logo
facebook logo

Resources

Home About Us Get a Quote Customer Service Newsletter Contact Us
Chamber Certified
trusted choice logo
professional insurance agents logo
Car Insurance Agencies

Contact Us

location icon
  • I & E Insurance Agency
  • 2900 Route 88
  • Point Pleasant, NJ 08742
  • Phone: 732-295-5584
  • ineagency@gmail.com

This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, accountant or your own financial advisor. EMC Insurance Agency & Financial Services LLC dba I & E Insurance Agency & Financial Services is an Independent Insurance Agency, a Member of the Trusted Choice , Independent Agents of America and member of the ANE Network of Independent Insurance Agents, contact your own advisors before making any decision.

Services offered through independent NON-AFFILIATED ENTITIES

© Copyright. All rights reserved.
Powered by Insurance Website Builder