Dental
Maintaining good oral health isn’t a luxury — it’s essential for your overall long-term well-being. Dental insurance emphasizes prevention, early detection, and timely treatment, helping to significantly lower the costs of restorative and emergency care. Preventive services, such as routine exams and cleanings, are fully covered at no cost to you.
Plan Features
When you enroll in dental coverage, you'll pay a monthly premium. There are several different types of dental plans available:
INDEMNITY PLAN
You are free to visit any provider you prefer; however, you will be responsible for paying the full cost of care at the time of service.
DENTAL PPO
You’ll need to meet a low deductible before sharing the cost of care through coinsurance. Coverage is generally available for both in-network and out-of-network providers, though choosing an out-of-network provider may result in higher out-of-pocket costs.
DENTAL HMO
You’ll need to meet a deductible before the plan begins sharing the cost of covered services. With a dental HMO plan, the amount the plan covers depends on the type of service. These plans typically do not offer out-of-network coverage.