Dental coverage helps protect you and your family from unexpected dental expenses. When you’re covered, it’s easier to get the regular checkups, cleanings and preventive care that keep your smile healthy.
Dental plans are built to meet your needs, and our networks feature dentists you can count on for professional, reliable care.
Most dental plans include preventive dental services such as routine oral exams, X-rays, cleanings, sealants, and fluoride treatments.
Belong to a network of dentists who have access to a variety of tools and resources needed to make delivering quality dental care easy.
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Estimated Costs of Common Dental Procedures*
If you’re considering covering dental costs out-of-pocket on a per-treatment basis, knowing common procedure costs is important. While avoiding upfront costs from purchasing a dental insurance plan may seem cost-effective, having a great dental plan can greatly reduce your overall cost of care.
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Types of Dental Plans
With so many dental benefit plans available to patients today, it’s important to learn the differences between them. Some plans require your dental practice to be part of a network, others limit maximum charges and many have set fees for specific services.
Preferred Provider Organizations (PPO)
A PPO plan is regular indemnity insurance combined with a network of dentists under contract to the insurance company to deliver specified services for set fees and according to the provisions of the contract. Contracted dentists must usually accept the maximum allowable fee as dictated by the plan, but non-contracted dentists may have fees either higher or lower than the plan allowance.
Dental Health Maintenance Organizations (DHMO)
Under a DHMO or capitation plan, contracted dentists are “pre-paid” a certain amount each month for each patient that has been designated or assigned to that dentist. Dentists must then provide certain contracted services at no-cost or reduced cost to those patients. The plan usually does not reimburse the dentist or patient for individual services and therefore patients must generally receive treatment at a contracted office in order to receive a benefit.
Point of Service Plans
Point of service options are arrangements in which patients with a managed care dental plan have the option of seeking treatment from an “out-of-network” provider. The reimbursement to the patient is usually based on a low table of allowances; with significantly reduced benefits than if the patient had selected an “in network” provider.
Discount or Referral Plans
Discount or referral plans are technically not insurance plans. The company selling the plan contracts with a network of dentists. Contracted dentists agree to discount their dental fees. Patients pay all the costs of treatment at the contracted rate determined by the plan and there are no dental claim forms to file. Originally these plans were sold to individuals; however, more and more employers are purchasing these types of plans as the dental plan for the company’s employees.
At First Family Insurance, our mission is clear: provide the most comprehensive, custom-tailored insurance package that meets the needs and budget of our clients.