Colonial Dental Insurance: Everything You Need to Know

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If you’re looking for a dental insurance plan, you may have come across the name Colonial Dental Insurance. In this article, we’ll take a look at what Colonial Dental Insurance is, what it covers, and how you can sign up for it. We’ll also answer some frequently asked questions about the company’s policies and procedures.

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What is Colonial Dental Insurance?

Colonial Dental Insurance is a dental insurance provider that offers a range of plans to individuals and families. The company has been around for more than 60 years and has a strong reputation in the insurance industry for its quality dental coverage and excellent customer service. Colonial Dental Insurance is a subsidiary of the Unum Group, a leading provider of employee benefits in the United States.

One of the benefits of choosing Colonial Dental Insurance is that you can get coverage for preventive care, basic services, and major services. Preventive services like cleanings and X-rays are covered at 100%, while basic and major services like fillings, root canals, and crowns are covered at varying percentages depending on the plan you choose.

Colonial Dental Insurance also offers a range of add-ons and supplemental benefits, such as coverage for orthodontics, implants, and dentures. The company’s plans are designed to be flexible and customizable, so you can tailor your coverage to your specific needs.

If you’re interested in signing up for Colonial Dental Insurance, you can do so online or by contacting a local agent. The company’s website allows you to compare plans and prices, get a quote, and enroll in a plan in just a few minutes. You can also call the company’s customer service line to get help with the enrollment process.

What Does Colonial Dental Insurance Cover?

Colonial Dental Insurance covers a range of dental services, including preventive care, basic services, and major services. Here’s a breakdown of what each category includes:

Preventive Care

Preventive care includes routine exams, cleanings, X-rays, and fluoride treatments. These services are covered at 100% under all of Colonial Dental Insurance’s plans. This means you won’t have to pay anything out of pocket for these services.

Basic Services

Basic services include fillings, extractions, and periodontal treatments. Depending on the plan you choose, basic services may be covered at 80% or 90%. This means you’ll be responsible for paying the remaining 10% or 20% of the cost out of pocket.

Major Services

Major services include root canals, crowns, bridges, and dentures. Depending on the plan you choose, major services may be covered at 50% or 60%. This means you’ll be responsible for paying the remaining 40% or 50% of the cost out of pocket.

Orthodontics

Orthodontics, such as braces and Invisalign, are not typically covered under standard dental insurance plans. However, Colonial Dental Insurance offers an optional orthodontic add-on that provides coverage for these services. Orthodontic coverage is available at varying percentages depending on the plan you choose.

Implants

Dental implants are a popular alternative to dentures, but they can be expensive. Colonial Dental Insurance offers an optional implant add-on that provides coverage for these services. Implant coverage is available at varying percentages depending on the plan you choose.

FAQ:

Q: Can I choose my own dentist with Colonial Dental Insurance?

A: Yes, you can choose any licensed dentist you want with Colonial Dental Insurance. However, you may pay less for services if you choose a dentist who participates in the company’s network.

Q: Does Colonial Dental Insurance have any waiting periods?

A: Yes, Colonial Dental Insurance has waiting periods for some services. The length of the waiting period depends on the plan you choose. Preventive services are typically covered immediately, but there may be a waiting period of six months to a year for basic and major services.

Q: How much does Colonial Dental Insurance cost?

A: The cost of Colonial Dental Insurance depends on a variety of factors, including your location, the plan you choose, and your age. However, the company’s plans are generally affordable and offer good value for money.

Q: Can I get coverage for my entire family with Colonial Dental Insurance?

A: Yes, Colonial Dental Insurance offers family plans that provide coverage for you, your spouse, and your dependents. Family plans are available at discounted rates compared to individual plans.

Q: Is there a maximum benefit limit with Colonial Dental Insurance?

A: Yes, each of Colonial Dental Insurance’s plans has a maximum benefit limit. This means that the company will only pay a certain amount for your dental services each year. The maximum benefit limit varies depending on the plan you choose.

Conclusion

If you’re in need of dental insurance, Colonial Dental Insurance is definitely worth considering. With a range of plans to choose from, flexible coverage options, and excellent customer service, this company has a lot to offer. Be sure to compare different plans and prices to find the one that’s right for you and your family.

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