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Dental Insurance

Let us help you navigate your options for dental insurance and we'll make sure your family or group is appropriately covered at the most affordable rate.

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What is Dental Insurance?

Dental insurance is designed to pay a portion of the costs associated with dental care. Generally dental offices have a fee schedule, or a list of prices for the dental services or procedures they offer.

Typical Types of Dental Insurance

Indemnity Dental Insurance Plan: 
This plan may be helpful when you want to stay with your dentist and he/she does not participate in a dental network. By the very nature of this plan the insurance company generally pays the dentist a percentage of your services according to the policy you purchased. In addition you will want to review the co-payment requirements, waiting periods, stated deductible, annual limitations, graduated percentage scales based on the type of procedure and/or length of time you have owned the policy prior to starting your dental work.

Dental Health Managed Organization (DHMO): 
When a dentist signs a contract with a dental insurance company that provider agrees to accept an insurance fee schedule and give their customers a reduced cost for services as an In-Network Provider. Many DHMO insurance plans have little or no waiting periods, no annual maximum benefit limitations, while covering major dental work near the start of the policy period. This plan is sometimes purchased to help defray the high cost of the dental procedures. Some dental insurance plans offer free semi-annual preventative treatment. Fillings, crowns, implants and dentures may have various limitations.

Participating Provider Network (PPO): 
Depending on your specific plan, the PPO works similar to a DHMO while using an In-Network facility. However, it allows you to use an Out-of-Network or Non-Participating Provider. Any difference of fees will become the financial responsibility of the patient unless otherwise specified in your dental policy. As noted, some dental insurance plans may have an annual maximum benefit limit. Thus, once the annual maximum benefit is exhausted any additional treatments may become the patient's responsibility. Each year that annual maximum is reissued. The reissued date may vary as a calendar year, company fiscal year, or date of enrollment based on your specific plan.

Contact us to learn more about the right dental insurance for you.
(512) 968-2141​
1423 N Walnut Ave
Suite 103
New Braunfels, TX 78130
Click Here to Email Us
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Preferred Advisors
1423 N Walnut Ave
Suite 103
New Braunfels, TX 78130
(512) 968-2141
Click Here to Email Us

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New Braunfels photo by Jonmallard | CC-BY-SA-4.0 | Website by InsuranceSplash
  • Home
  • Quotes
    • Health Quotes >
      • Medicare Advantage Plan Quote
      • ACA Health Quote
      • Medicare Supplement Coverage Quote
      • Health Insurance Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Vision Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Annuity Quotes
      • Disability Insurance Quote
      • Group Benefits Insurance Quote
      • Final Expense Insurance Quote
  • Consultation
  • Insurance
    • Health >
      • Medicare Advantage Plans
      • ACA Health
      • Medicare Supplement Coverage
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Vision Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Group Benefits
      • Financial Planning
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
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