Dental

Preventive: These benefits consist of cleanings, X-rays, etc.  These benefits are usually covered at 100% depending on the plan design.  Please see your benefits guide for specifics to your carrier's plan.

 

Basic Coverage: These benefits consist of simple fillings, extractions. Please see your benefits guide for specifics to your carrier's plan. These services are usually covered from 75-80% depending on the plan design.

 

 

Major: These benefits consist of Root Canals, Crowns and Bridges.

 

 

Orthodontia: These benefits consist of braces. Age limits for these services are usually 19.

 

 

Dental plans usually have the following components:

 

 

Deductibles: The number of covered expenses that the insured must pay before the plan or insurance contract starts to pay claims for covered benefits.

 

 

: Most policies require the insured to pay some portion of the bills. A typical arrangement is after the deductible is meant that the insurer pays a portion and the insured pays a portion depending on the class of services up to a set maximum for example of covered expenses. After the maximum out of pocket limit is met the insurer pays 100% for covered services for the remainder of that calendar year up to the benefit amount or lifetime maximum.

 

 

Plan Maximums: These can vary from $750 per person to $2500 per person depending on the coverage.

 

 

Dental Coverage can be any of the following:

 

 

Indemnity: The insurance company will pay the provider and there is no network you must go through. Most costly coverage because of no network.

 

 

Passive PPO: You receive more of a discount if you go to an in-network provider but is not required. It will pay like an indemnity plan but the reimbursement may be a little less.

 

 

PPO: You must go to an in-network provider to receive the in-network benefits to avoid less coverage.

 

 

Individuals can purchase this coverage but few carriers sell individual products.

 

 

 

Contact us to learn more

 

 

 

 

 

 
Contact Our Team
Marshall, MI
Grand Rapids, MI
Temecula, CA
VantagePointe Benefit Solutions
120 West Drive, Suite 4
Marshall, MI 49068
269.781.7199 T
877.762.4873 
 
269.781.7299 F
 
 
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