Idaho Group Dental Insurance

Written by Helen Glenn Court
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If you have a full- or part-time job with health benefits, and the whining wet sound of a dentist's drill is a sensation you know all too well, you want to look into Idaho group dental insurance. Certainly group policies will give you the best combination of coverage and affordable rates. You have plenty of choices among Idaho's licensed insurers, more than you might think, and the savings can be considerable.

A Quick Review of What to Expect with Idaho Group Dental Insurance

All of the large and nationally known medical insurers in Idaho offer a number of varieties of dental coverage. These companies include Blue Cross, Regence Blue Shield, MetLife, and Aetna. Other Idaho group dental insurance providers include Dentemax, GE Wellness, and Uni-Care. If you think about the cost of a standard crown on a tooth costing about $1,200

Most dental insurance and dental plans--the two aren't exactly the same thing--are managed care rather than indemnity plans. That is, you choose dental care providers from within a network of participating dental hygienists, dentists, oral surgeons, and orthodontists. Premiums tend to be low, certainly lower than those for medical health care by a factor of 10. For example, if your monthly health premium is $115, then you might expect a monthly dental premium of perhaps $8.

A sound basic policy under Idaho group dental insurance--using Regence Blue Shield and Aetna as examples--will usually cover all preventative care at 100 percent, and basic care at 80 percent. These include routine six-month and 12-month checkups, x-rays and bitewings, and minor fillings. The more intensive the procedure, the less likely it will be covered in full. Major care--crowns, root canals, bridgework, and the like--runs at about 50 percent. Annual maximum out-of-pocket costs are usually set at around $1,000.

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