Full coverage dental insurance

    In a full coverage dental insurance plan, clients receive a discounted rate from member dentists and are at liberty to choose their own dentist for the services they will need. In addition, when you enter into an agreement for full coverage dental insurance, you and the insurance company will have specified what coverage you will be entitled to before the insurer will meet part or all of the expenses on the dental bill. You will then pay the premiums necessary to keep the policy active and like other types of dental coverage, claims will be sent to the insurance company, and you will be responsible for the co-pay or deductible.

In full coverage dental insurance you eliminate the limitation of seeing only preferred dentists. In addition it is possible to only pay your annual deductibles after a visit to a dentist with no out-of-pocket costs but this depends on your agreement with the insurer. Some insurers will require you to meet some out-of-pocket cost for typically 2 years to gain a good credit standing with them before they will begin to offer coverage in full as per the agreed policy.

The main limitation of this type of dental insurance is that it can be relatively expensive, because you agree on which aspects of oral care to include in your policy. The common levels of dental care are basic and major dental cover. Basic dental cover is concerned with preventative care measures designed to help you avoid ailments that may result in more expensive dental work or which lead to complications later on. In major dental cover, the insurance provider will generally cover part of the cost. Major dental cover will have a lower re-imbursement than basic dental which means if the insurer agrees to meet the costs of basic cover, you will be responsible to meet part of any procedures that fall in minor dental cover, for example root canals.

Security Life Insurance Company of America underwrites full coverage dental insurance through the multiflex dental packages. The basic coverage plan includes two routine checkups in a year and two cleaning sessions in a year begin immediately; they will pay 100 percent of the bills associated with the basic cover, for clients under the age of 65; clients over the age of 65 must pay 20 percent of their dental costs. The yearly deductible for clients below and above the age of 65 is 50 and 75 dollars respectively. There is a 20 percent co-insurance for clients over 65 years of age and no co-insurance clients below 65 under the basic plan. The Major coverage plan is effective after 18 months from the beginning of the agreement; clients will pay a 50 dollar deductible and 50 percent co-insurance while multiflex will pay 50 percent of all bills that fall within the plan; clients above the age of 65 will pay a 75 dollar deductible annually and 50 percent co-insurance.