SUPPLEMENTAL PLANS

If you are looking for some coverage to help you with a specific need, we can help.

We offer a variety of plans with a variety of companies and can help you find the best fit. Let us know if you would like information on plans to protect you for:

 

We offer a few different companies for dental because everyone’s situation and needs are unique. Ameritas is the only plan that will allow you to start the very next day. Delta is the only plan that will waive all the wait periods if you are within 2 months of being on a previous plan. Delta has a very large network of dentists but their maximum is $1,000 and you have wait periods when you sign up. Ameritas and Humana both have plans that pay a little the first year, a little more the second, and after you have been on the plan for 2 years and 1 day (yep, that constitutes 3 years), you have the most benefits available to you and they each have plans with higher maximums. We invite you to use the links above to look at options and see if something is helpful for your situation.

One thing to keep in mind is that when you use dental coverage, the service you are receiving is “re-priced”. In other words, you receive a discount price on whatever you are doing and then the % of coverage is applied. That initial repricing can be a huge benefit. Additionally, when you use a dentist who is not in-network, the insurance company pays at a rate that they consider “reasonable and customary”. If your dentist does not accept this pricing, they can balance bill you.For these reasons, it is always best if your dentist participates and is in-network for whichever plan you select.

If you require a little help narrowing it down, give us a call — we’re happy to help!