Regular dental care is essential for maintaining good oral health, which impacts your overall well-being. However, dental procedures can be expensive. Dental insurance helps you budget for preventive care and unexpected dental needs, allowing you to prioritize your smile and avoid costly out-of-pocket expenses.
Regular dental checkups and cleanings are essential for preventing costly problems down the road.
Our plans provide access to a network of hometown dentists with convenient and affordable care options.
Get the peace of mind knowing you’re covered, without overpaying for unnecessary services.
Dental insurance comes in three main types: PPO (flexible network), HMO (limited network, lower premiums), and Indemnity (any dentist, coverage limits). Choose the plan that best fits your needs and budget.
Many plans offer lower costs for using dentists within their network. Search your plan’s network to find a convenient dentist who can save you money.
Dental insurance typically covers preventive care (cleanings, checkups) at a higher percentage than restorative care (fillings, crowns). Familiarize yourself with your plan’s coverage details.
Bring your insurance card to your dental appointments. The dentist will bill your insurance for covered services, minimizing your out-of-pocket costs.
Choosing the right dental insurance plan can feel overwhelming with all the different options available. Here’s a breakdown of the three main types of dental insurance plans offered to help you find the best fit for your smile:
Flexibility
PPO plans offer the most freedom in choosing a dentist. You can visit any dentist, in-network or out-of-network.
Savings
In-network dentists have negotiated lower rates with the carriers, so you typically pay less for covered services when using them.
Out-of-Network
While you can see any dentist, out-of-network providers may charge more, resulting in higher out-of-pocket costs.
PPO dental insurance is perfect for someone who values flexibility in their choice of dentists and is willing to pay a bit more for the option to see out-of-network providers if needed. Consider a PPO plan if you prioritize choice and convenience. This plan is ideal for those who:
Lower Premium
HMO plans often have lower monthly premiums compared to PPO plans. This is because you agree to receive care from dentists within the HMO network.
Network Focus
You’ll need to choose a dentist participating in the HMO network for covered services at reduced costs. If you go out-of-network, the plan will not pay for services.
Referrals
HMO plans may require referrals from your primary dentist to see specialists within the network for certain procedures.
HMO dental insurance is great for individuals who prioritize lower costs and are comfortable with a more structured care network. This plan is best suited for those who:
Any Dentist
Indemnity plans offer the ultimate flexibility in choosing a dentist. You can visit any provider, in-network or out-of-network.
Coverage Limits
These plans provide a set dollar amount of coverage for eligible dental procedures, regardless of the dentist you choose.
Out-of-Pocket Costs
You’ll be responsible for any charges exceeding the plan coverage limit. You might have higher out-of-pocket expenses.
Dental Indemnity Plans are perfect for someone who highly values complete freedom in choosing any dentist and is willing to take a risk of higher out-of-pocket costs. These plans work best for people who prioritize unrestricted access to dental care and are prepared for potentially higher personal financial responsibility. This plan is ideal for individuals who:
of people say they plan to visit the dentist within the next year.
of people cite cost as the top reason for not visiting the dentist.
adults aged 19-64 don’t have dental insurance
is the average cost for dental care for a healthy adult without insurance.
*According to the American Dental Association & Institute for Oral Health
Find a Plan in Minutes
When choosing a dental insurance plan, consider your budget first. Think about your dental needs and how much coverage you want. Finally, compare plans with factors like in-network dentists and desired features to find the best fit for you. It is important for you to understand what is covered under each insurance plan to better estimate what your bill will be at the end of your dental visit.
Dental benefit plans typically have higher monthly premiums than discount plans, but they may offer more comprehensive coverage.
Plans with a wider selection of dentists (often referred to as a larger network) may have a higher premium compared to plans with a more limited selection.
Plans with more generous coverage for dental exams and procedures will typically cost more than plans with lower coverage limits.
Dental insurance can cost more in some areas of the country than in others. Location can also play a role, as some areas may have a higher concentration of in-network dentists for certain plans.
Regular checkups, cleanings, and preventive procedures.
Procedures like fillings, crowns, and root canals.
Services, like X-rays, needed to assess your oral health.
Your plan may cover braces/Invisalign.
Teeth whitening or veneers, are generally not covered.
Your plan may not cover treatment for that condition, even if it worsens.
Your plan may not cover the service at all if you visit an out-of-network dentist.
Some plans may offer limited coverage for emergency dental services.
Champion Benefit Advisors offers dental insurance plans that can cover your entire family. Protecting your loved ones’ smiles is important and including them in your dental plan ensures everyone receives the preventive and restorative care they need. This can lead to improved overall health and well-being for your entire family.
Our plans have coverage limits, but there are no restrictions on the number of members you can enroll. We also cater to children-specific dental needs, covering orthodontics and pediatric dental care to ensure young smiles are well taken care of. Moreover, our plans are more cost-effective than purchasing separate dental care plans for each family member. With shared deductibles, our dental insurance offers greater flexibility, helping you manage family dental expenses more efficiently.
According to the Cleveland Clinic, 36 percent of people in the U.S. have a fear of dental treatment. Millions of people avoid dental care due to fear or past experiences. Dental insurance can help manage these anxieties. In-network dentists often have experience working with anxious patients, and regular checkups covered by insurance can help identify and address problems early, potentially reducing the need for complex procedures.
Dental Insurance can be excellent supplemental coverage, especially considering that many employer-provided health insurance plans do not include dental benefits. While health insurance typically covers medical needs, dental care is often treated as a separate category, leaving employees to pay out-of-pocket for routine check-ups, cleanings, and more serious procedures like fillings or crowns. Without dental insurance, the costs can add up quickly.
Additionally, Medicare, the federal health insurance program for seniors, does not cover most dental services. Routine care, dentures, and other essential dental needs are often excluded, leaving many older adults without dental protection. Supplemental insurance can fill these gaps, ensuring access to preventive care and reducing the financial burden of dental procedures not covered by employer plans or Medicare. This makes dental insurance a smart, affordable way to protect your oral health at any age.
In-network dentists have negotiated lower rates with our insurance carriers. Using an in-network dentist typically results in lower out-of-pocket costs for covered services.
Depending on your plan, you may need a referral from your primary dentist to see a specialist for certain procedures.
In some very specific cases, health insurance might offer limited coverage for dental work if it’s deemed medically necessary. For instance, a jaw fracture caused by an accident might be covered under health insurance. Otherwise, health insurance and dental insurance are separate from each other with dental insurance designed specifically to cover preventive and restorative dental procedures, such as cleanings, fillings, crowns, and root canals.
Good news! You can get dental insurance even if you don’t have health insurance. Health plans and dental plans are separate, so having one doesn’t require the other.
Yes! The great thing about dental insurance is that you can enroll anytime throughout the year, and our agents can walk you through the variety of available plans.
Most dental insurance plans cover cleanings, typically twice a year. This coincides with the recommended frequency for professional dental cleanings to maintain good oral health. However, the specific coverage for cleanings can vary depending on your plan design.
Skip the hassle of finding affordable dental care. Save on quality dental care with our expert help.