Idaho Dental Insurance Options

Chris Antrim • August 19, 2021

How Dental Insurance Works For Individuals & Families

Dental coverage Is Available In Two Ways

1) Through a plan that covers all of your dental expenses, including preventive care and routine checkups; or

2) By paying for some services out-of-pocket with an annual deductible.

If you have questions about how to get covered by dental plans offered through the health insurance marketplace, call 1-800-318-2596.

Or visit www.healthcare.gov/dentalcoverage.

Dental plan categories: High and low

High Deductible VS. Low deductibles. HD means your out-of-pocket costs will be higher if you have an expensive medical condition or need more care than average.

LD means your out-of-pocket cost will be lower if you don't use many healthcare services. You may qualify for financial help from Medicaid or other government programs. To find out how much assistance you might get, call 1-800-318-2596.

What's covered? What isn't covered?

Dental plan categories: High & Low

High deductible vs Low deductibles. HD plans have higher out-of-pocket costs than LD plans. The difference between these two types of plans depends on how much money your family spends each year on medical care.

You may be able to get lower premiums if you're willing to accept more risk by choosing an HD plan. If you don't need extensive or expensive treatment, it might make sense to go with an LD plan.

Adult & Child Dental Insurance In The Marketplace

The high coverage level has higher premiums copayments deductibles. You may be eligible for adult or children’s dental benefits through your employer if they offer group dental insurance. If so, check whether it offers dental coverage for adults ages 18–64 years old as well as older adults 65+ years old. Some employers also provide individual dental coverage. Check with your human resources department to learn more.

Medicare helps cover most doctor visits and other healthcare expenses.

The nation's leading provider of dental insurance We're committed to helping people live healthier lives, so we've made our plans easy to understand. Learn about what each option covers today.

Looking for dentists near me? Find local providers who accept new patients with no waiting period. Claim Forms Our online form builder makes submitting claims fast and simple. You can also download PDF versions of all available forms. National ERA

Individual Dental Insurance

Dental plans for individuals and families. We offer a variety of options to meet your needs, including:

Individual coverage with no deductible or co-payments
Family coverage that includes children up to age 18
Dental savings accounts which allow you to save money on future visits
Flexible payment arrangements such as pre-payment and pay in full
Health Savings Accounts where funds can be used at any time without penalty

The Value Of Dental Insurance

Dental insurance makes dental care more affordable! With a focus on prevention, dental insurance typically covers professional services like routine check-ups, cleanings, and exams at 100%. This helps reduce out-of-pocket costs, so you pay less for the dental care you need.

Improved overall health: Research shows good oral health has a positive effect on overall health and well-being. During an oral exam, your dentist can detect signs of 120+ diseases just by examining your mouth!
Encourage routine dental care for long-term benefit: During preventive check-ups, your dentist is better able to detect problems early on and help you avoid more costly and complex procedures in the future.
Cost savings and budget management: Dental insurance helps you save money by covering up to 100% of preventive cleanings and check-ups and portions of more extensive procedures.
Coverage for the unexpected: Oral health problems can appear unexpectedly. Dental insurance makes it easier and more cost-effective to get the care you need so you don't have to worry about the future.

**Source: deltadental.com

FAQ

What does "PPO" mean?

In general terms, this means that if you visit any participating provider within their network, you will be covered without additional charge. You may also choose to add other providers outside the network as needed.

How much would I pay per month?

Your monthly premiums vary depending upon which plan you select. The average annual deductible varies between $100-$500. Your copays range from 0%-20%, with most

To help you out through your dental problem and preventive care we compile some of the most amazing dental clinics here in Boise.