Dental & Vision

Find dental insurance plans for you and your family

Protect your health and finances with a dental plan. Many people find value in buying dental coverage separately from their medical plan because separate plans usually offer more choices and may have more benefits to meet the needs of your whole family

Dental health is an important part of your overall health.

Have a health plan with minimal or no dental benefits?

With a variety of plans available, you can find basic dental coverage for general dental care or choose coverage, dental plans can help you plan and budget for the costs of dental care.

• A dental plan can help protect your finances and health for you and your family
• Enrolling in a separate or stand-alone Dental plan any time of the year
• Dental plans cover routine preventive care to complex procedures like root canals

We can answer your questions and help you understand how to choose and enroll in a dental insurance plan that’s right for you.

Don’t leave your oral health to chance.

Find out how affordable your plan could be with a no-obligation quote.

What Are the Different Types of Dental Plans?

• Preferred Provider Organization (DPPO)

A DPPO is a dental plan that uses a network of dentists who have agreed to provide dental services for set fees. The number of dental services covered depends on the plan. If you have a PPO plan and see a dentist out of the network, you will most likely have more out of pocket expenses. A PPO dental plan will typically have a larger network of dental providers, and you’ll be able to switch dentists or see a specialist without a referral from a primary care dentist. In fact, you aren’t required to designate a primary care dentist when enrolling in a PPO dental plan.

If you are considering a PPO dental plan, keep in mind that you’ll pay a higher premium and will likely be required to meet a deductible.  In addition, most PPO dental plans have an annual limit on the amount of coverage 

• Dental Health Maintenance Organization (DHMO)

Dental HMO Insurance Plans

A DHMO provides lower cost coverage with a focus on preventive care. DHMO plans are designed to encourage regular dental visits and check-ups while minimizing spending. Any out-of-pocket costs are clearly defined, and most DHMO plans do not have exclusions for pre-existing conditions or missing teeth.

If you choose to enroll in a DHMO plan, you are required to select a primary dental facility to manage and coordinate your oral health needs. If a treatment by a specialist is necessary, the primary dental facility or dentist will first need to submit a referral. You’ll need to use in-network dentists in order to obtain coverage under a DHMO plan.