Many people believe that taking care of their oral health is an expense that can be put off, but the truth is that dental care is crucial to maintaining overall health and well-being. Oral health issues can lead to more severe health problems, making regular dental checkups and treatments essential. However, dental expenses can add up quickly, and without coverage, it can be a significant financial burden. That’s where dental insurance comes in, and Assurant Dental Insurance is one of the popular options available today. In this article, we’ll dive deep into what Assurant Dental Insurance is, how it works, and everything else you need to know, so let’s get started!
What is Assurant Dental Insurance?
Assurant Dental Insurance is a dental care insurance plan that provides coverage for preventative, basic, and major dental services. It’s a flexible plan that caters to people of all age groups and includes coverage for both individuals and families. Assurant Dental Insurance is available in all 50 states of the United States, and it’s widely recognized for its affordability and quality care.
Assurant Dental Insurance offers a range of plans, including PPO, HMO, and Indemnity plans, with varying levels of coverage and cost. Depending on your needs and budget, you can choose a plan that works for you.
Assurant Dental Insurance Plans
Assurant Dental Insurance offers three primary plans – Classic, Choice, and Plus. Let’s take a look at each plan in detail to help you understand which plan would be best suited for you.
Classic Plan
The Classic Plan is the most affordable plan and provides coverage for basic dental services. You’ll have to pay a low monthly premium, and in return, you’ll receive a limited coverage for preventative services, basic restorative services, exams, and cleanings. Additionally, the Classic Plan allows you to choose your dentist from the Assurant Dental Insurance network. However, you’ll have to meet an annual deductible before the plan starts paying for your services.
Choice Plan
The Choice Plan is a step up from the Classic Plan and offers more comprehensive coverage for preventative, basic, and major dental services. You’ll have to pay a slightly higher monthly premium than the Classic Plan, but in return, you’ll receive coverage for more services, including orthodontics, implants, and other major dental services. Additionally, the Choice Plan allows you to choose your dentist from the Assurant Dental Insurance network, and there’s no annual deductible required.
Plus Plan
The Plus Plan is the most comprehensive plan and provides coverage for all preventative, basic, and major dental services. It’s the most expensive plan, but it offers the highest level of coverage, including orthodontics, implants, and other major dental services. The Plus Plan also allows you to choose your dentist from the Assurant Dental Insurance network, and there’s no annual deductible required.
It’s crucial to choose a plan that suits your needs and budget. If you’re not sure which plan is right for you, Assurant Dental Insurance’s customer service team can help you navigate the options and choose the best plan for your needs.
How Does Assurant Dental Insurance Work?
Assurant Dental Insurance works like any other insurance plan – you pay a monthly premium, and in return, you receive coverage for dental services. Once you’ve enrolled in a plan, you’ll receive an insurance ID, which you’ll present to your dentist when you go for a dental checkup or treatment.
The insurance plan will pay for the covered services, and you’ll be responsible for any out-of-pocket expenses, such as deductibles, co-payments, or services not covered under the plan. The amount of out-of-pocket expenses will depend on the plan you’ve chosen and the services you receive.
Assurant Dental Insurance Network Dentists
Assurant Dental Insurance has a vast network of dentists across the United States. When you enroll in an Assurant Dental Insurance plan, you’ll have to choose a dentist from the network. You can search for a dentist in your area by using Assurant Dental Insurance’s website or mobile app. If you go to a dentist outside of the network, you’ll have to pay a higher out-of-pocket expense or may not be covered at all, depending on your plan’s terms.
Assurant Dental Insurance Claims
If you’ve received dental treatment, your dentist will file a claim with Assurant Dental Insurance on your behalf. Once the claim is processed, you’ll receive an explanation of benefits (EOB), which will show how much the insurance plan has paid and how much you owe out-of-pocket. You’ll receive the EOB through email or mail, depending on your preference.
Assurant Dental Insurance Cost
The cost of Assurant Dental Insurance will depend on the plan you choose, your age, and your location. The Classic Plan is the most affordable plan, while the Plus Plan is the most expensive. Typically, the monthly premium for an individual ranges from $20 to $50, while a family plan can cost anywhere from $60 to $150 per month.
FAQ
1. How do I enroll in Assurant Dental Insurance?
You can enroll in Assurant Dental Insurance by visiting their website or calling their customer service team. You’ll have to provide your personal information, including your name, age, location, and the plan you’d like to enroll in. Once you’ve enrolled, you’ll receive an insurance ID, and you can start using your coverage right away.
2. Can I add my family to my Assurant Dental Insurance plan?
Yes, you can add your family to your Assurant Dental Insurance plan. Depending on your plan, you may have to pay an additional fee for each family member added to the plan.
3. What dental services are covered under Assurant Dental Insurance?
Assurant Dental Insurance provides coverage for preventative, basic, and major dental services. The exact services covered will depend on the plan you choose. Typically, preventative services, such as exams and cleanings, are covered under all plans, while major services, like implants and orthodontics, are only covered under the Choice and Plus plans.
4. Can I choose my dentist with Assurant Dental Insurance?
Yes, Assurant Dental Insurance allows you to choose your dentist from their network of dentists. You can search for a dentist in your area by using their website or mobile app.
5. What if I need dental treatment outside of the network?
If you go to a dentist outside of the Assurant Dental Insurance network, you may have to pay a higher out-of-pocket expense or may not be covered at all, depending on your plan’s terms. It’s crucial to choose a dentist within the network to ensure coverage.
Conclusion
Assurant Dental Insurance is an excellent dental insurance plan that provides coverage for preventative, basic, and major dental services. With a range of plans available, you can choose the plan that suits your needs and budget. Assurant Dental Insurance’s customer service team is always available to help you choose the best plan for your needs and answer any questions you may have. When it comes to dental care, it’s essential not to put it off and ensure that you have adequate coverage to maintain your oral and overall health. With Assurant Dental Insurance, you can rest assured that your oral health needs are taken care of without breaking the bank.