A Healthier Smile Starts With the Right Coverage

Regular dental care is an important part of maintaining your overall well-being. From routine cleanings and exams to unexpected dental treatment, having appropriate dental coverage can help make eligible dental care more manageable.

SecureWay Insurance helps individuals and families explore dental insurance options based on their needs, budget, preferred providers, and circumstances.

Dental plans, benefits, deductibles, waiting periods, networks, exclusions, annual maximums, and out-of-pocket costs vary by insurer and plan.

COVERAGE FOR EVERY STAGE OF YOUR SMILE

Dental needs can change over time. A child may need preventive care and orthodontic treatment, while an adult may need regular cleanings, fillings, crowns, or other dental services.

A dental insurance plan can help provide benefits for certain eligible services according to the plan’s terms.

WHAT CAN DENTAL INSURANCE HELP COVER?

Preventive Dental Care

Preventive care is designed to help you maintain good oral health and identify potential problems early.

Depending on the plan, preventive benefits may include:

• Routine dental exams

• Cleanings

• Dental X-rays

• Certain diagnostic services

• Other eligible preventive care

Basic Dental Procedures

Some dental plans provide benefits toward eligible basic procedures when treatment is medically or dentally necessary under the plan.

These may include services such as:

• Fillings

• Simple extractions

• Certain restorative procedures

• Other covered basic treatments

Major Dental Services

More extensive dental work can sometimes be expensive.

Depending on the plan, coverage may be available for certain major procedures, which can include:

• Crowns

• Bridges

• Dentures

• Certain oral surgery

• Other eligible major restorative services

Coverage and cost-sharing vary significantly between plans.

Orthodontic Coverage

Some dental plans offer orthodontic benefits for eligible treatment.

Depending on the plan, orthodontic coverage may help with certain costs associated with braces or other qualifying orthodontic treatment.

Orthodontic coverage may have separate limits, age restrictions, waiting periods, or other conditions.

WHY DENTAL INSURANCE CAN BE VALUABLE

Dental expenses don’t always come at convenient times.

A routine appointment may uncover a cavity. A damaged tooth may suddenly require treatment. A child may need orthodontic care.

Having dental insurance can help eligible individuals manage certain dental expenses through plan benefits and negotiated provider arrangements.

DENTAL INSURANCE FOR INDIVIDUALS AND FAMILIES

Individual Coverage

If you don’t have dental benefits through an employer, an individual dental plan may provide an alternative way to access eligible dental benefits.

Family Coverage

Families can have different dental needs at different ages.

A family dental plan may help provide coverage for eligible services for multiple family members under one plan.

Coverage for Children

Children may require regular dental examinations, cleanings, fillings, and other dental care as they grow.

Depending on the plan, eligible children’s dental services may be covered according to the plan’s benefits and requirements.

HOW DENTAL INSURANCE GENERALLY WORKS

Dental plans can operate differently from one another, so understanding the basic terms is important.

Premium

The premium is the amount you pay to maintain your dental insurance plan.

Deductible

A deductible is the amount you may have to pay for eligible covered services before the plan begins paying according to its terms.

Copayment

Some plans require a fixed amount for certain covered services.

Coinsurance

Coinsurance is generally the percentage of an eligible expense you pay after applicable deductibles and according to the plan’s terms.

Annual Maximum

Some dental plans have an annual maximum, which is the maximum amount the plan will pay toward certain covered services during a specified benefit year.

DENTAL NETWORKS & PROVIDERS

Many dental insurance plans use networks of participating dentists.

When you choose an in-network dentist, you may receive benefits based on negotiated rates and the plan’s network rules.

Before scheduling treatment, consider checking:

• Whether your dentist participates in the plan

• Which services are covered

• Your expected out-of-pocket costs

• Whether preauthorization is required

• Whether there are annual limits

Provider networks and plan rules vary.

WHAT CAN AFFECT THE COST OF DENTAL INSURANCE?

Dental insurance pricing can vary depending on factors such as:

• Type of plan

• Number of people covered

• Age

• Location

• Coverage level

• Deductible

• Annual maximum

• Provider network

• Orthodontic benefits

• Selected options

• Insurance company

Comparing plans based only on the monthly premium may not give you the complete picture.

Consider the plan’s benefits, network, deductibles, cost-sharing, exclusions, waiting periods, and annual limits as well.

WAITING PERIODS & PLAN LIMITATIONS

Some dental plans may impose waiting periods before certain services become eligible for benefits.

Other plans may have:

• Annual maximums

• Service limitations

• Waiting periods

• Frequency limitations

• Exclusions

• Missing-tooth provisions

• Orthodontic restrictions

• Network requirements

Understanding these details before enrolling can help you avoid unexpected costs.

WHAT DENTAL INSURANCE MAY NOT COVER

Dental insurance does not necessarily cover every dental procedure.

Depending on the plan, exclusions or limitations may apply to:

• Cosmetic procedures

• Certain elective treatments

• Services outside the provider network

• Treatment exceeding plan limits

• Certain pre-existing dental conditions

• Procedures subject to waiting periods

• Services specifically excluded by the plan

Always review the plan documents before receiving expensive dental treatment.

CHOOSING A DENTAL PLAN

Start With Your Dental Needs

Think about the type of dental care you and your family typically require.

Check Your Dentist

If you already have a preferred dentist, determine whether they participate in the network of the plan you’re considering.

Look Beyond the Monthly Premium

A lower premium doesn’t necessarily mean lower overall costs.

Consider deductibles, copayments, coinsurance, annual maximums, and other out-of-pocket expenses.

Think About Future Treatment

If you anticipate crowns, orthodontics, dentures, or other significant dental work, carefully examine the plan’s benefits and limitations.

WHY CHOOSE SECUREWAY INSURANCE?

Coverage Made Easier to Understand

Dental insurance can contain unfamiliar terms and conditions. We help make your options easier to understand.

Options for Different Needs

Individual and family circumstances differ. We help you explore available options based on your situation.

Clear Information

We focus on helping you understand benefits, costs, networks, and important policy conditions before making a decision.

A More Informed Choice

The goal isn’t simply to choose a dental plan. It’s to find coverage that makes sense for your needs and circumstances.

A SIMPLE PATH TO DENTAL COVERAGE

1. Consider Your Dental Needs
Think about your current and anticipated dental care requirements.

2. Review Available Plans
Compare premiums, benefits, networks, deductibles, and out-of-pocket costs.

3. Check the Details
Pay attention to waiting periods, annual maximums, exclusions, and service limitations.

4. Select Your Coverage
Choose a plan that fits your circumstances and budget.

5. Keep Up With Preventive Care
Once covered, use eligible preventive benefits and follow your dentist’s recommendations.

FREQUENTLY ASKED QUESTIONS

What is dental insurance?

Dental insurance is designed to help eligible individuals manage certain dental care expenses according to the benefits and conditions of their plan.

Does dental insurance cover cleanings?

Many dental plans provide benefits for eligible preventive services such as routine cleanings, although the frequency and coverage can vary.

Does dental insurance cover fillings?

Many plans provide benefits toward certain eligible fillings and basic restorative services, subject to the plan’s terms.

Does dental insurance cover crowns?

Some plans provide benefits toward eligible crowns and other major dental services. Coverage levels and limitations vary.

Does dental insurance cover braces?

Some dental plans include orthodontic benefits, while others do not. Plans that include orthodontic coverage may have separate limits, eligibility requirements, or age restrictions.

Can I choose my own dentist?

This depends on the plan. Some plans allow greater provider flexibility, while others provide stronger benefits when you use participating network dentists.

Is there a waiting period for dental insurance?

Some plans have waiting periods for certain services, while others may have no waiting period for particular types of care. Check the specific plan before enrolling.

What is a dental insurance annual maximum?

An annual maximum is the maximum amount a dental plan will pay toward certain covered services during a specified benefit year.

Can I get dental insurance without health insurance?

Dental insurance can often be purchased separately from health insurance, depending on the insurer and plans available in your location.

How can I find the right dental insurance plan?

Start by considering your dental needs, preferred dentist, budget, anticipated treatment, network preferences, and the benefits and limitations of available plans.

YOUR SMILE DESERVES A PLAN THAT FITS

Make Dental Care Part of Your Protection Plan

From routine preventive care to unexpected dental treatment, the right coverage can help you plan for eligible dental expenses with greater confidence.

SecureWay Insurance can help you explore dental insurance options for yourself or your family.

EXPLORE DENTAL COVERAGE

Dental insurance products, benefits, premiums, deductibles, copayments, coinsurance, waiting periods, annual maximums, exclusions, provider networks, eligibility requirements, and policy terms vary by insurer, plan, state, and individual circumstances.

This information is provided for general informational purposes and does not constitute medical, financial, or insurance advice or guarantee coverage. Actual benefits are determined by the terms and conditions of the applicable dental insurance plan.