Insurance

DENTAL

Dental insurance | Sun Life U.S.

The content on this page is not approved for use in New Mexico.

Dental ASO and Prepaid or DHMO is not insurance. Dental ASO is only available when purchased with another coverage.

Zelis Network Analytics data as of September 2020 and based on unique dentist count. Each dentist is only counted once. 

Sun Life’s dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks.

Not available in Montana, New Hampshire, New York, and Vermont. 
Classification of services varies by plan design. 
Available to groups with over 100 lives. 
7American Academy of Periodontology http://www.perio.org/consumer/love_the_gums_you%27re_with (accessed 01/12/21).

American Dental Association https://www.ada.org/en/about-the-ada/dentists-doctors-of-oral-health (accessed 01/12/21). 
 
This dental plan does not provide coverage for pediatric oral health services that satisfy the requirements for “minimum essential coverage” as defined by The Patient Protection and Affordable Care Act (“PPACA”). 
 
Group

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DENTAL

What Does Dental Insurance Cover

Whether you are selecting a plan for yourself or your family, it is important to ask questions to determine which plan is right for your unique needs. Since every dental insurance plan comes with a range of coverage options, we are here to help you navigate your choices.

How does dental insurance work?

While dental insurance has a monthly premium like health insurance, many plans have a coinsurance structure. That is why when researching dental insurance plans for yourself and your family, you may want to consider how much coverage you might need.

Typically, PPO plans use a 100/80/50 coinsurance structure. Here is how that breaks down …

  • 100% for preventive care including cleanings, exams, and X-rays
  • 80% for basic procedures, such as fillings
  • 50% for major procedures, such as crowns and dentures

Keep in mind, no two dental plans are alike. However, there are two

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DENTAL

Dental Insurance | Individual and Family Dental Plans


A Message About Delta Dental of South Carolina’s Coronavirus Preparedness

In response to the coronavirus (COVID-19) situation, Delta Dental of South Carolina has activated our comprehensive
Business Continuity Plan and implemented our virtual workforce program, in which nearly all of our employees are able
to perform their regular job duties while telecommuting from home during normal business hours.

This contingency business model allows our organization to help ensure the health and well-being of our employees,
and to minimize any disruption in service for our members, clients, network dentists and producers.

Many of our employees telecommute from home regularly, including those from our customer service center and our claims team.

As a result, our customer service team is ready to serve you as usual from 8:00 a.m. to 6:00 p.m. Eastern time,
Monday through Friday. Claims continue to be processed within our standard timeframes.

We are continuously monitoring updates

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DENTAL

Affordable Dental Insurance For Seniors-With Low Out Of Pocket Expenses

Quality, affordable dental care becomes ever more important as we move into our golden years. After all, it doesn’t take much for dental costs to add up and create a strain on one’s budget. Those who are on a fixed income know this all too well.

 

 In this article, we will detail low-cost and, potentially free, resources that can help seniors get the dental care they need.

PACE (Program of All-inclusive Care for the Elderly) 

Pace is a program connected with Medicare and Medicaid. It works toward providing the elderly, as well as low-income citizens, with the health care they need. And yes, this service also extends to dental care.  However, you must reside in the city/state where services will be rendered. Lastly, you must also qualify for nursing home care.

Tooth Wisdom (Oral Health for Older Adults)

Tooth Wisdom is a tremendous online resource. It allows seniors to use

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DENTAL

Dental Insurance Plans: What’s Covered, What’s Not

If you have dental benefits, do you know what’s in the fine print and what type of plan is best for you?

Many Americans — 77% — have dental benefits, the National Association of Dental Plans says. Most people have private coverage, usually from an employer or group program. Large employers are more likely to offer dental benefits than small employers and high wage workers are more likely to receive them than low wage workers. Medicare doesn’t cover dental care, and most state Medicaid programs cover dental care only for children.

To make the most of your benefits, you need to know these things.

Insurance or Benefits?

When shopping for insurance, you may see the term dental benefits, which is different from insurance.

An insurance plan is meant to absorb risk — the risk that you’ll need to have a tooth pulled, for instance, or to get a root canal

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HEALTH

Covered California Says Health Insurance Just Got Too Cheap to Ignore | Health, Medicine and Fitness

If you are uninsured because health coverage seemed too expensive the last time you looked, it’s time to look again.

A new federal law could make it a whole lot cheaper to buy your own insurance if you don’t get coverage through an employer or a government insurance program such as Medicare or Medicaid.

The law, the American Rescue Plan, provides billions of federal dollars to reduce premiums for people who buy their coverage through the insurance exchanges established by the Affordable Care Act.

The aid expands a federal tax credit created by the ACA that you can take upfront as a discount on your premium or claim when you file your taxes the following year. It is not available for those who buy individual or family policies in the open market outside an ACA exchange. So, if you are in an off-exchange health plan, you might save a lot

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TREATMENT

Up to SR650,000 COVID-19 insurance treatment coverage for Umrah pilgrims

Saudi Gazette report

RIYADH — The Ministry of Hajj and Umrah announced on Wednesday details of insurance coverage for foreign Umrah pilgrims against the risks of coronavirus infection.

The maximum insurance coverage for the treatment of Umrah pilgrims in the event of getting infected with coronavirus is SR650,000. There will be coverage of up to SR450 per day toward the cost of staying in quarantine for a maximum period of 14 days.

The ministry stated that the insurance policy will cover up to SR6,500 for repatriation of the body to the country of residence in the event of the death of a pilgrim after infected with coronavirus.

The Saudi Central Bank and the Council of Cooperative Health Insurance announced on Sunday that all foreigners who come to Saudi Arabia on Umrah, visit and tourism visas must have insurance coverage against the risks of coronavirus infection.

They stressed the need for

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DENTAL

VA Dental Insurance Program – Health Benefits

VA Dental Insurance Program

woman smiling

The Department of Veterans Affairs (VA) has selected Delta Dental of California and MetLife to once again offer private insurance coverage for the VA Dental Insurance Program (VADIP).

The Department of Veterans Affairs Dental Insurance Reauthorization Act of 2016 extends VADIP until December 31, 2021.  Veterans who are enrolled in the VA health care system and beneficiaries and their dependents of the Civilian Health and Medical Program of the VA (CHAMPVA) can enroll in the program.

VADIP offers eligible individuals the opportunity to purchase discounted dental insurance coverage that includes diagnostic services, preventive services, endodontic and other restorative services, surgical services and emergency services.

Each individual covered by the dental insurance plan will pay the entire premium for coverage under the dental insurance plan, in addition to the full cost of any copays.  Enrollment is voluntary and does not affect eligible individuals’ entitlement to existing VHA

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DENTAL

The 7 Best Dental Insurance Providers for Seniors in 2021

FAQs

What Does Dental Insurance Typically Exclude?

Exclusions refer to services that are not covered by your dental plan. The most affordable dental insurance plans typically exclude coverage for basic and major services and only cover preventive care such as cleanings. Here are some examples of excluded coverages:

  • Basic services like fillings or major services like crowns or bridges 
  • Cosmetic work 
  • Natural or alternative treatments like acupuncture 
  • Some companies limit anesthesia in certain circumstances
  • Many companies exclude orthodontics, even on their top-tier plans
  • Pain management may be limited or excluded and subject to frequency limits and waiting periods
  • Pre-existing conditions (some plans won’t cover replacement of teeth missing before your policy began, for example)

Once you reach the annual coverage maximum, you will receive no more coverage, and additional work will be excluded until the next year. 

When considering exclusions on dental insurance, remember that you have various choices of

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FITNESS

Fitness Insurance – Fitness and Wellness Insurance

Personal Trainer Insurance

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  • Gym/Fitness Club Owners
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Other Insurance Categories Include:

  • Youth Fitness Insurance
  • Physical Therapy Insurance
  • Martial Arts Insurance
  • Diet and Nutrition Insurance
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  • Golf Insurance
  • Endurance Insurance
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