Dental Insurance








Full Coverage Plans


Only suggested for those with no dental issues  now or foreseen in the future. Covered care:

  • Preventative
  • Basic


For the average client. Care provided:

  • Preventative
  • Basic
  • Major


    Full Plus

    This includes full along with optional coverage of your choice:

    • Full
    • Orthodontics
    • Vision
    • Hearing

    Care Glossary


    Preventive Care

    Care that is implemented to prevent extensive issues from happening.

    Basic Care

    Care that requires immediate attention to prevent major issues from happening

    Major Care

    Complex procedures to normalize gums and teeth



    A co-pay may disregard the deductible, co-insurance and out of pocket maximum. The co-pay is subject to specific services on your plan. For example, if your co-pay is $5 per generic brand prescription, each time you go to the pharmacy to obtain this or get a refill you will need to pay $5.


    After a deductible is meet, co-insurance for each medical bill is implemented.


    Co-Insurance for doctor visits are 80%, which means you pay 20% of the bill. If the bill was $1,000, then you would pay $200. 


     A dollar amount required for the insured to pay before the insurance company will pay your medical bills. This dollar amount may be  per person/family on your plan.


    Your family deductible is $900 and your individual deductible is $1,000. You went to the doctor for an annual checkup costing $200 and the following week your son went to the ER for an injury with a bill of $1,300, then the insurance company will pay $500 (1,000 – 200 – 1,300) of your son’s bill along with paying co-insurance for each bill afterward.

    Out of Pocket Maximum

    The maximum amount an insured would pay after a deductible was meet.


    The deductible was $1,000, co-insurance is 80% and the out of pocket maximum is $1,500. You received an injury with a bill of $1,500, you would pay $1,100 (1,000 deductible + 20% co-insurance * 500 remaining bill after deductible was met). Your son was sick and admitted to the hospital a month later leaving a bill of $10,000, you would pay $1,400 ( 10,000 bill * 20% co-insurance – 100 from going over deductible previously). Any more medical bills after this will be covered completely covered.

    The insurance company paid $400 ((1,500 bill – 1,000 deductible) * 80% co-insurance) for the first incident and $8,100 (10,000 bill * 80% co-insurance + 100 from the insured going over deductible previously) for the second.



    The dollar amount that you pay consistently to the insurance carrier to own an insurance policy.

    Other Terms

    Annual Maximum

    The maximum amount of dollars an insurance company will spend on your insurance plan in a year.

    Waiting Period

    The period of time since the plan starts that must be surpassed before the insurance company will pay for certain levels of care. Preventative care is covered immediately but basic or major care may only be covered after serveral months


    Preventative Care

    • Exams
    • Cleanings
    • X-Rays

    Basic Care

    • Fillings
    • Simple Extractions
    • Surgical Extractions

    Major Care

    • Endodontics
    • Periodontics
    • Crowns
    • Dental Implants
    • Dentures
    • Bridges

    Optional Care

    • Orthodontist
    • Vision
    • Hearing

    *This is not an all inclusive list and may vary by plan, carrier, or state.

    Frequently Asked Questions

    Do we insure people with poor health?

    Yes! Anyone who is a citizen of the United States is given healthcare as a natural right and will be provided for despite their health history.

    What payment methods do we accept?

    Payments through a mortgage, direct billing through mail, EFT (Bank Account), debit and credit cards.

    How can I file a claim?

    Your healthcare provider’s billing department should file your claim for you. If you have any questions about your bill it is best to contact your insurance provider and healthcare provider’s billing department directly.


    Am I fully covered under my employer's health insurance? No

    The real question is my employer’s health insurance good enough to meet my needs. We can help you answer this question and find a health insurance plan compatible with your employer’s health insurance.

    If you can’t find your answer here, please don’t hesitate to ask a representative through our messaging system or email