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dental insurance

Aside from protecting your smile, dental care ensures good oral and overall health. Several studies suggest that oral diseases, such as periodontitis (gum disease), can affect other areas of your body—including your heart. Understanding and choosing dental coverage will help protect you and your family from the high cost of dental disease and surgery.

Like medical insurance, dental coverage is offered in several types of plans:

• Dental health maintenance organization (DHMO) – Coverage is only provided when you visit dentists who are in-network with the insurance plan.

• Dental preferred provider organization (DPPO) – Coverage is provided with in- or out-of-network dental care providers, but you will typically pay less with an in-network dentist.

• Dental indemnity plan – Coverage is provided for any dentist you choose, with no difference in cost.

• Discount dental plan – This type of plan is a common option for reducing dental costs without regular insurance coverage; with this plan, you pay for all your dental care at an agreed-upon discounted rate.

Contact Ryan Hansen in our Grand Island office for more information  on our dental insurance plans.

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