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Think Twice Before Buying Private Dental Insurance


Learn how to cancel a stand-alone dental plan while keeping your health plan. Dental coverage isn’t an essential health benefit for adults. When you compare dental plans in the Marketplace, you’ll find details about each plan’s costs, copayments, deductibles, and services covered. The low coverage level has lower premiums but higher copayments and deductibles. So you’ll pay less every month, but more when you use dental services.

Americans with dental benefits are more likely to go to the dentist, take their children to the dentist, receive restorative care and experience greater overall health. You generally have an annual deductible to meet before the plan starts paying benefits, and then you pay a percentage of the cost for the care you receive. You generally have an annual deductible to meet before the plan starts paying benefits, and then you pay part of the cost for the services you receive.

Plans differ in whether you pay a copay for these services or they are covered completely without anything out-of-pocket by you, but they will be covered. Coinsurance refers to the percentage you pay of covered expenses after you meet your deductible. So if your coinsurance for a filling is 30%, and the cost for that service in-network is $100, you would pay $30 of that. The insurance company would pay for the rest of your covered expenses up to your annual maximum. If you want a plan that covers preventive and basic care such as regular exams and fillings, choose an Essential Dental or Primary Dental plan.

While you always have the option to change your primary care dentist, you must receive all care from within the plan’s network. Essential Preferred Dental can give you 15% coverage after deductible on major services after a 6-month waiting period. Premier Choice Dental offers 10% coverage after deductible for major services day one.

You pay 100% for non-covered services, including most dental care. Medicare doesn’t cover most dental care, dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices. Read thedental benefits, limitations and exclusions for each of our dental insurance companies. Children’s dental benefits are automatically included with our health plans. The ADA also says that adults with generally healthy teeth only need bitewing x-rays every 18 to 36 months.

Dental Direct knows that some procedures, although necessary, can be very costly. Giving patients affordable options is at the forefront of what we do and who we are as a discounted dental benefits plan. Our dental plans are flexible and can be combined with a patients’ existing insurance coverage to help pay for costly dental procedures. Use Dental Direct as an alternative dental benefit so you can better utilize your existing plan maximums, while getting the care you need, and reducing out of pocket expenses.

Login here if your Delta Dental insurance is part of a Medicare Advantage plan. If you would like to obtain a dental card for services, you can print one through the Consumer Toolkit. Some, but not all, of the providers within the Ohio State Dental Faculty Practice are in the Delta Dental PPO or Delta Premier network. All Orthodontic services will be considered rendered on the date performed. This is important in determining work in progress at the start or end of your coverage.

MAC is the lesser of the amount charged by the dentist or the maximum payment amount that in-network dentists have agreed to accept in full for the dental service. When you receive dental services from an out-of-network provider, MetLife will reimburse a percentage of the MAC. You are then responsible for everything over the percentage of MAC reimbursed up to the charge submitted by the out-of-network dentist. Out-of-network providers typically charge more than the allowable charge, resulting in higher costs for you. With Principal dental insurance, routine exams and cleanings are considered preventive care and are covered at 100%—that means the patient may not pay anything for those services.

A member can continue to increase the Dental Rewards carryover each year until the total accumulation reaches $1,000 in carryover benefit. This Dental Rewards carryover is in addition to the Annual Maximum. Any Dental Rewards dollars accumulated will automatically be used if the member has approved claims that go beyond their Annual Maximum benefit.

3Sun Life’s dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Set up your account, log in, buy insurance and more on the California health marketplace website. Health insurance is offered by Blue Cross and Blue Shield of Florida, Inc., D/B/A Florida Blue. HMO coverage is offered by Health Options Inc., an HMO subsidiary of Blue Cross and Blue Shield of Florida. Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., an affiliate of Blue Cross and Blue Shield of Florida.

Monthly premiums are usually less than $50, while annual deductibles average $50 to $100. Choose from 30+ different plans from the healthcare brands you already know and trust like Cigna, Aetna and more. And, depending on the plan you choose, you’ll save 10-60% on your next visit. Save 10-60% on most dental procedures, at 140,000+ dentists nationwide.

Through our national network of Delta Dental companies, we offer dental coverage in all 50 states, Puerto Rico and other U.S. territories. Upon your request, Delta Dental will determine benefit coverage prior to you receiving dental service if the course of treatment is expected to be $200 or more. You or your dentist can send a written description of the procedures and the dentist’s proposed charges to Delta Dental before treatment begins. If you often travel, Cigna’s dental network spreads nationwide offering access to dental care while away from home. Delta Dental is the largest provider of dental benefits in the United States and has a network of over 155,000 practicing dentists nationwide. We offer vision plans that are affordable and include annual eye exams, glasses, contacts and extra savings for all of your eye care needs.

Quality Benefits

A dental broker can compare numerous policies against one another and provide you with the best options based on your dental needs. Uniform Dental is only available if you enroll in health insurance under the State of Wisconsin or Wisconsin Public Employers Group Health Insurance Program. It offers coverage for diagnostic, preventive, basic and children’s orthodontic services. Your annual deductible is $75 for associate-only coverage, or $225 for family coverage. This is the amount you’ll need to spend before the plan picks up coverage for basic and major care.

This crisis reinforces how reliant we are on the many essential services we too often take for granted. We are grateful to so many for continuing to show up with focus and commitment. Our Group Dental plans make it easier to get your regular dental checkups. You can minimize out-of-pocket costs by taking advantage of our large network of providers.

Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university’s right to modify, amend, or terminate them. Every effort has been made to ensure the accuracy of the benefits information in this site. However, if any provision on the benefits plans is unclear or ambiguous, the Benefits Office reserves the right to interpret the plan and resolve the problem. If any inconsistency exists between this site and the written plans or contracts, the actual provisions of each benefit plan will govern. Covered dependent children may remain on your dental plan until the end of the month in which they turn 26. The U-M dental plan covers orthodontic services for eligible dependents up to age 19 at 50% under all three options.

All care is the responsibility of the treating provider, in consultation with the participant. Selection of a program provider is also the responsibility of the participant and is not based on any representations by Aetna. Program providers are solely responsible for the products and services they provide.

Benefit Premiums

Also, coverage for certain covered dental services are subject to conditions and other limitations, such as the number of times they may be covered in a given time period. We encourage you to review these exclusions and limitations prior to enrollment. In addition, you can ask your dental provider to file a pre-treatment estimate with Delta Dental for any basic or major services that may exceed $300. Delta Dental will review the pre-treatment estimate against your benefits to determine covered services and estimated costs before treatment begins. Although kids already get dental care through their health plan, they can also be added to a family dental plan .

The plan pays 80% of the cost of basic care and 50% of the cost of major care after you meet the deductible, up to $2,500 a year. If you bought your individual plan directly from us, these pediatric dental benefits are included through Delta Dental. Visit our national website for a list of individual dental insurance options. From first glances to family photos, it’s how you greet the world.

The high coverage level has higher premiums but lower copayments and deductibles. So you’ll pay more every month, but less when you use dental services. Click the button below and answer a few income and household questions. You can then preview health plans with dental, and stand-alone dental plans. Dental coverage is included in some Marketplace health plans. You can see which plans include dental coverage when you compare them.

Delta Dental has affordable individual dental plan options available for you. These plans make it easy to receive Delta Dental coverage and protect your health. Dental benefits are not generally covered by Medicare, except under limited circumstances, and many people on Medicare do not have any dental coverage at all.

If your selected participating dentist determines that you need specialty care, you have access to a network of specialty care providers. Most plans are direct referral plans, which means your selected participating dentist will provide you with the name of a network specialist. You can call the specialist directly to schedule your visit. The MetLife Exclusive Provider Organization contains features similar to PDP & DHMO. You must see an in-network EPO provider to utilize dental benefits. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

How Much Does Dental Insurance Cost?

Based on your income and household size, you may also qualify for government discounts through the Affordable Care Act. Dental Preferred Provider Organization (DPPO — MetLife) provides services with coinsurance paid by the member and MetLife. Any Dentist may be used to receive benefits, but you will pay less if you use an in-network provider. We have one of the largest dental provider networks in the country for your employees’ benefit2. If you switch to Principal from another carrier, it’s likely fewer employees will need to change their dentists.

UT Benefits offers two dental PPO plans for you to choose from based on the level of benefits your family needs. Both dental PPO plans allow you the freedom to choose from any licensed dentist although you will maximize your benefits when you use a Delta Dental DPO or Delta Premier network provider. Our dental plans cover a comprehensive range of dental services including no charge oral exams, cleanings and X-rays. Dental insurance is a type of health insurance where you pay a premium and after any deductibles or copays, insurance pays for covered dental expenses either in full or partially up to an annual maximum. Most cover dental work like fillings, extractions, and root canals. What services are covered and how much insurance will pay vary greatly by plan.

Delta Dental features no deductibles or annual maximums, making it easier for your to afford the coverage you need. Janet Hunt is an expert on car insurance, homeowners insurance, and health insurance with over 20 years of experience covering trends, regulations, and company reviews. Hunt received her bachelor’s from the University of Phoenix, and her Property and Casualty license in 1995 from the Insurance Specialty Training Institute of Louisiana.

  • Do the math to see if your monthly dental insurance premiums will make up for the savings on the treatment.
  • This plan has a higher annual maximum benefit than Delta Dental Basic PPO does, and it covers orthodontia and dental implants.
  • Get in-network dental coverage for families and vision coverage for adults with this plan.
  • Our flexible plan options allow employers and members to choose a plan that meets their needs.
  • As a journalist on the special projects team at Consumer Reports, I investigate issues that affect consumers’ health, finances, privacy, and safety.

Delta Dental covers 75 percent of basic dentistry costs after annual deductible if you use a Premier dentist, up to $1,500 per year. If you go to a dentist not affiliated with Delta Dental, you may have to pay the dentist’s total fee and then submit your claim form to Delta Dental for reimbursement. Delta cannot assure you what percentage of the charged fees may be covered. Conversely, if you don’t have dental insurance, you are more likely to have extractions and dentures and less likely to have restorative care or receive treatment for gum disease.

Pay less out of pocket for preventive dental services and get vision coverage for adults with this plan. This chart provides only a summary of the main features of the plans. Get affordable dental care for your whole family, from checkups to major work — including orthodontics.

Aetna does not endorse any vendors, products or services associated with this program. UnitedHealthOne offers dental insurance plans with no age limit and preventive care covered with no deductibles or waiting periods. Note that UnitedHealthOne is part of the UnitedHealth Group, a Fortune 500 company.

This plan helps complete your health coverage with PPO in-network preventive dental care covered at 100 percent, and adult vision care with copays as low as $10. Your dental coverage will mirror your health insurance; if you elect family health insurance with dental, you will be enrolled in family dental coverage. If you elect individual health insurance with dental coverage, you will be enrolled in individual dental coverage.

Total Choice PPO offers Massachusetts-based small businesses enhanced benefits, more affordable premiums and the largest PPO network in the state. DeltaCare® is a lower-cost alternative with an emphasis on preventative care and no waiting periods. 50% for major care, like surgical periodontics, crowns, dentures, implants, and oral surgery. After an examination, your dentist will talk to you about treatment you may need. The cost of treatment is something you may want to consider. If the service is extensive and involves crowns or bridges, or if the service will cost more than $300, we encourage you to ask your dentist to request a pre-treatment estimate.

This applies whether you purchase your insurance through the Massachusetts Health Connector marketplace or directly with a carrier. Past insurance history or medical condition will have no effect on your ability to buy health insurance. Health insurance rates are based on age and where you live. The rates you pay may be significantly lower if you are eligible for financial assistance such as Advance Premium Tax Credits or Reduced Co-pays and Deductibles. Please provide us with some basic information to preview health and dental plans available through the Massachusetts Health Connector.

If you visit the dentist for checkups and cleanings, Bronze offers our most affordable coverage. If you visit the dentist frequently and you’re thinking about more complex dental work, Gold has all of our benefits in one plan for those that need the most coverage. You already know that going to the dentist helps keep your gums and teeth in good shape.

Community’s (HMO D-SNP) plan offers additional benefits and services not covered under Original Medicare, such as dental, hearing aids, and vision. Community’s (HMO D-SNP) plan offers additional benefits and services not covered under Original Medicare, such as dental, hearing aids, and vision. All dental plans offer the same expanded benefits if you are 21 or older and with prior approval from your dental plan. Before you apply for coverage, you can see health and dental plans and prices available in your area.

Becoming acquainted with them will help you in understanding California dental insurance policies and in choosing the one that is right for you. Going to the dentist for regular checkups is as important as ever, and it’s safe. We also offer additional resources to help you get the care you need.

From cavity prevention and oral health to orthodontics, crowns and root canals. Our comprehensive, innovative programs, are designed to control costs and assure quality care. The FitScoreTM is the quick, easy way to maximize your benefits and save money. After answering a few short questions about your dental insurance needs, HealthMarkets searches thousands of plans from leading insurance companies to provide a customized list of the right options for you. Answer a couple of quick questions on our site and get your FitScore™ to find the best dental insurance plans for you available in your area.

Dental insurance plans, including coverage amounts and other details, can vary widely with UnitedHealthOne depending on where you live. However, this company does make it easy to get a free quote online without any medical underwriting. You can select from more than 260,000 dentists across the United States, but you should note that plans, coverage amounts, and specifics of each policy can vary widely depending on where you live. Regardless of these differences, what sets Humana apart is their value pricing and provision for 100% coverage for preventive care.

Still, dental insurance works differently than health insurance in terms of how much coverage you can receive. Where the passage of the Affordable Care Act meant limits can no longer apply to health care coverage in any given year, dental insurance plans often come with annual limits as low as $750 or $1,000 per person. Once your annual maximum benefit amount is met, you will have to pay for dental care out of pocket. Also note that dental insurance frequently comes with waiting periods that can vary depending on the type of care you need. But there are certain limitations and exclusions in most dental insurance plans that are designed to keep dentistry’s costs from going up without penalizing the patient. All plans exclude experimental procedures and services not performed by or under the supervision of a dentist, but there may be some less obvious exclusions.

The new supplemental Preventive Plan mirrors Uniform Dental and is available to members who do not have health insurance under the State of Wisconsin or Wisconsin Public Employers Group Health Insurance Program. This Preventive Plan offers dental coverage for diagnostic, basic and children’s orthodontic services. Members can purchase the Preventive Plan with or without the other Supplemental Dental plans. We offer both dental insurance plans and dental savings plan options to meet all your dental needs.

Blue Cross and Blue Shield of Texas is providing access to the Dental Wellness Center website as a courtesy, as part of its BlueCare Dental Connection program. The content on the Dental Wellness Center website is provided by Information on a wide range of dental topics, like pediatric care, prevention, treatments and dental diseases. Both networks offer discounted fees and a no balance billing policy. If you have a dependent who is disabled, that dependent may be eligible for coverage. Choose Family to cover yourself, your spouse/domestic partner, and your children.

Guardian Direct dental insurance makes it possible for you and your family to get the routine dental care that will help keep you healthy from a network of over 100,000 dentists. Did you know that comprehensive dental care can help detect other health problems before they become more serious? That’s why we offer several dental plans to meet your financial and coverage needs. If you are covered under two dental benefits plans, tell the administrator or carrier of your primary plan about your dual coverage status.

You can go to any licensed general or specialty dentist, regardless of whether the dentist participates in a Delta Dental network. In many cases, you can reduce your out-of-pocket expenses by using a Delta Dental PPO or Delta Dental Premier network dentist. To find a dental provider see the Delta Dental of Illinois provider search. The most common coinsurance for more extensive dental services, such as fillings, extractions, and root canals, is 50%.

In some cases, you may be assured full coverage where plan benefits overlap and receive a benefit from one plan where the other plan lists an exclusion. If your employer offers dental coverage, that’s an easy choice. If you’re shopping for your own plan and you already have a dentist, your dentist may be able to recommend a plan based on your dental history. Direct reimbursement programs pay patients a predetermined percentage of the total amount they spend on dental care, regardless of treatment category.

GUEST COMMENTARY: Dental insurance next industry badly needing reform –

GUEST COMMENTARY: Dental insurance next industry badly needing reform.

Posted: Sun, 18 Jul 2021 07:00:00 GMT [source]

Online Dental Health Center that offers members information on preventive dental care. Find out the cost ranges of common dental care needs for dentists near you. 3 This service is not part of the insurance contract and may be changed or discontinued at any time.

During open enrollment, if you just want to add dental coverage, complete and submit the account change form . We encourage you to receive a pre-treatment estimate on services or treatments that cost more than $300. Although not required, it will provide you with an estimate of benefit coverage and your out-of-pocket expenses. To find a new dentist or check if your existing provider is part of our network, select the card above that matches yours. You’ll then be taken to the correct coverage portal where you’ll be able to search for providers in your area. Find out more about offering individual or group dental insurance for your employees.

Dental Discount Plans & Other Ways to Get Affordable Dental Care Without Insurance –

Dental Discount Plans & Other Ways to Get Affordable Dental Care Without Insurance.

Posted: Fri, 05 Mar 2021 08:00:00 GMT [source]

Dentists are open to negotiating prices and often will offer a discount if you pay for a procedure when you get the service. Some dentists offer in-office dental plans for people without benefits. Patients pay a small monthly fee and get basic care for free and discounts on other services. Just answer a couple of questions about your dental needs, and HealthMarkets can show you the most affordable dental insurance plans near you. Each plan gets a FitScore™ and the plans with the highest score are the closest to your ideal match. Compare plans online now, or contact a local HealthMarkets agent who can work with you to determine which dental insurance plans are best for your unique life situation.

Dental Blue for Individuals is not part of the covered health insurance benefits of any Blue Cross NC plans. That includes things like preventive cleanings, x-rays, restorative services like fillings, and even more serious forms of oral surgery that you might need one day. We think everyone should have great dental coverage, which is why we offer comprehensive plans you can get through Guardian directly or from your employer through their benefit offerings.

You can choose to pay for all, part, or none of the premium with Principal dental insurance. If your budget is tight, employees could pick up the entire cost of premium with voluntary dental insurance. No matter which option you choose, Delta Dental does kaiser permanente dental insurance not issue ID cards when you enroll and you do not need a card to receive services. When you make an appointment, the dental office will ask you for your UMID or your Social Security number to verify your enrollment and coverage with Delta Dental.

This on-the-go dental coverage protects your smile and savings, everywhere. This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call your insurance agent or the company . Dental insurance plans are underwritten by Golden Rule Insurance Company, and include a range of options so you can find one that’s most affordable for you.

Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact your plan administrator for costs and complete details. Our plans give you the flexibility to visit providers in or out-of-network.3 best dental insurance in nc Most cleanings and exams are covered 100%. A Dental Health Maintenance Organization or Managed Care, covers in-network providers only, and you must choose a primary care dentist for all services. A preferred dental program covers any licensed dentist/specialist, but if you choose an in-network provider, costs are typically lower.

Delta has more than 43,700 PPO dentists in California and 234,000 nationwide. To see a list of Delta Dental PPO dentists, visit the Delta Dental website. Links to external sites are provided for your convenience in locating related information and services. Part of the tragedy of this disease is that even as we come together to help those most in need, the unique nature of COVID-19 is forcing us apart. We all understand the importance of —social distancing— to slow the spread, but we should remember that’s just physical distancing. I encourage you to find ways to safely connect with those in your neighborhood who may require extra help and with groups in your community that are making a difference and support them however you can.

GHI does not cover services or appliances used solely as an adjunct to periodontal care. However, pulpotomy is not covered if root canal therapy was done on the tooth by the same Dentist or Provider within the prior three month period. GHI may cover unlisted dental procedures that are of the type listed in the Reimbursement Schedule. GHI will determine payment in a manner consistent with the Reimbursement Schedule. Delta Dental offers individual and group plans as well as plans through the Health Care Exchange . Delta Dental offers plans designed to help families on a budget.

Log in to manage your MetLife account or to access claim forms and additional resources. Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its subsidiary companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites. Aetna Inc. and its subsidiary companies are not responsible or liable for the content, accuracy or privacy practices of linked sites, or for products or services described on these sites.

There must be at least one adult enrolled in a family dental plan in order for a child in the family to enroll. (Not all adults in the household are required to enroll.) If a family chooses to enroll children in a family dental plan, all children younger than 19 who live in the household must enroll. You’re eligible to enroll in a dental plan if you meeteligibility requirements for PEBB insurance. New employees must pick a plan and enroll within 31 days to avoid delayed coverage. Policy changes due to COVID-19 apply to the enrollment timeframe and coverage start dates.

As part of the prosthodontics service category, some beneficiaries may have access to coverage for dentures, a commonly needed service among older adults. As of 2018, nearly 14% of adults 65 and older are edentulous, meaning they have no natural teeth. We were unable to determine specifics about denture coverage based on the analysis of national dental insurance plans illinois data, so we looked at the ten illustrative plans in more detail. Five of the ten plans specified that they covered dentures and each of these plans limit dentures to 1 set every 5 years . Among these five plans, cost sharing imposed on beneficiaries for dentures ranges from no copayment to a $500 copayment, and 50% to 70% coinsurance.

Fillings are an example of basic service, and bridges are an example of major care. For basic and major care, insurance covers a percentage of the cost, and the patient is responsible for the remaining cost. Since its enactment in 1965, Medicare has not covered routine dental care and half of Medicare beneficiaries (47%) do not have any dental coverage, as of 2019. Untreated oral health can exacerbate certain chronic diseases, delay diagnosis of serious health conditions, and result in costly emergency visits. Further, among beneficiaries who have the ability to pay for dental treatment, many experience high out-of-pocket costs, with 20% of people spending more than $1,000 out-of-pocket on dental care.

If you are enrolled in a Specialty plan, your baby will be assigned to a different MMA plan. This is a State-approved reason to change plans during the no change period. Traditional Medicare covers hospitals and doctors , and you pay standard rates for services. You can go to any doctor, hospital or other provider that accepts Medicare patients anywhere in the country. Go beyond the basics and get coverage that’s designed to help keep you healthy.

Get 100 percent coverage for routine dental exams, cleanings and other preventive dental care. If you’re looking for a way to make seeing the dentist more affordable, the best dental insurance plan for you can help reduce high costs of caring for the health of your smile. It’s easy to find the right plan for your budget with HealthMarkets. Start saving on dental care with an affordable dental insurance plan from Ameritas. Delta’s Premier dentists are not in the PPO network but have agreed to accept a reduced fee for services and also will complete and submit claim forms for you.

While plan details vary from state to state, Delta Dental offers several different types of insurance, including options that cover orthodontic care. With their individual PPO plans, for example, orthodontics are covered at 50% for children and adults. A $50 deductible applies, as does a $1,500 annual maximum for care. Research shows there may be a link between oral health and illnesses like heart disease, stroke, diabetes and premature birth. That’s why Blue Cross and Blue Shield of Oklahoma created BlueCare Dental Connection. This program offers dental plan members tools and information through the Dental Wellness Center® to help you make better dental health care choices.

The administrator may determine your eligibility, the eligibility period, services covered, your co-payment, and the maximum limitation. Some plans require predetermination for treatment over a specified dollar amount. This is also known as preauthorization, precertification, pretreatment review, or prior authorization.

There is a $50 annual deductible per person and a maximum annual deductible of $150 per family. The deductible does not apply to diagnostic and preventive services, emergency treatment to relieve pain, x-rays, sealants, periodontal maintenance, sealing and root planning, occlusal guards, and orthodontics. The best dental insurance plans provide access to a broad network of dentists, reasonable annual benefit maximums, and the potential for low premiums.

Spirit’s partnership with Ameritas also means this company works with one of the largest networks of dentists worldwide. Currently, you can choose from 111,500 dental providers at 428,000 access points nationwide. Cigna’s dental Preferred Provider Organization plans are available to consumers of all ages, and pricing is offered on a per person, per month basis. Cigna also lets customers choose a level of care based on their needs, with some plans offering orthodontic care and restorative care at a higher price point. For maximum savings and 0 paperwork, visit one of the 93,000+ dentists and dental specialists in 297,000+ convenient locations2 across our large nationwide network. Our flexible health insurance solutions can help your clients to lower costs, improve employee health and productivity, and more.

Date: August 16, 2021

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