Dental Insurance

A healthy smile starts with the right protection. Dental insurance helps you and your family maintain strong oral health without financial stress — covering everything from routine checkups to more complex dental procedures.

At United Choice Insurance, we’re here to help you find the right dental plan that fits your needs, keeps your costs low, and ensures you have access to quality dental care when you need it most.

Preparing for Your Dental Insurance Plan

When selecting a dental insurance plan, it’s important to understand what’s included and how it works. Consider the following:

Types of Coverage
Familiarize yourself with the main plan types:

• HMO (Health Maintenance Organization): Lower costs but limited to a specific network of dentists.
• PPO (Preferred Provider Organization): More flexibility to choose your dentist, with additional savings for in-network care.
• Indemnity Plans: Offer the most freedom to choose any dentist but may have higher out-of-pocket costs.

Network of Dentists
Check if your preferred dentist or specialist is in-network to help reduce costs and maximize your benefits.

Coverage Limits
Be aware of annual maximums, deductibles, and co-payments so you understand your total financial responsibility.

Covered Procedures
Review what services are included — from preventive and basic care to major dental work.

Waiting Periods
Some plans may have waiting periods before you can access certain procedures, such as major restorative work or orthodontics.

What Does Dental Insurance Typically Cover?

Preventive Care
Routine exams, cleanings, X-rays, and sealants — often covered at 100% to help maintain oral health and prevent bigger issues.

Basic Procedures
Common treatments like fillings, extractions, and periodontal (gum) care, typically covered at a moderate percentage.

Major Procedures
Crowns, bridges, dentures, and sometimes implants or oral surgery — these usually have higher copayments and may require waiting periods.

Orthodontics
Coverage for braces, aligners, and other orthodontic treatments varies by plan and is often available as an add-on or premium benefit.

Comparing Dental Insurance Plans

When comparing dental plans, review the following key details:

• Covered procedures and exclusions
• Size of the dentist network
• Premium costs and deductibles
• Annual maximum benefits and copay amounts
• Waiting periods for specific treatments

Consider your family’s dental care needs — such as how often you visit the dentist, if orthodontics are needed, or if major dental work is anticipated — to choose the plan that fits best.

Invest in Your Smile and Health

Dental insurance does more than protect your smile — it helps prevent costly and painful dental issues down the road, contributing to your overall health and well-being.

Let United Choice Insurance help you find the right dental insurance plan so you and your family can keep smiling with confidence.