Extensive & Affordable
Dental Insurance
Oral health is too often overlooked when setting up your insurance policies. Our expert team of agents will help you find the right policy for you and your family, ensuring that you get the care that you need at a price that you can afford.
Don’t Let Oral Health Slip Through the Cracks
When it comes to looking after your health, having access to quality health care providers is essential. Dental Insurance provides coverage for preventative dental services such as check-ups and teeth cleaning, along with support for major procedures, such as root canals or crowns.
By maintaining regular dental visits, problems can be stopped in their tracks. Affordable dental insurance annual premiums may even cost less than two regular dental visit check-ups. Whether you want to save on going to your current dentist or are interested in getting the lowest possible cost for dental services, we can help you find the policy that works best for you.
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Benefits of Good Dental Health
Beautiful teeth are something to smile about. But dental health can affect how you eat, speak, and both your physical and mental health. Medical research has shown that poor oral health is linked with systemic illnesses like diabetes, respiratory disease, heart disease, and further research has linked oral health directly to mental health. With 20% off of cosmetic procedures like teeth whitening or orthodontics and support for major procedures, dental insurance is an investment in your smile that looks after your health in more ways than one.
Dental Insurance Plans
When choosing your dental insurance plan, there are three different types to choose from:
- Dental Health Maintenance Organization (HMOs)
- Dental Preferred Provider Organization (PPOs)
- Dental Indemnity Plans
These three differ based on:
- Restrictions and premium cost
- Coverage or pay assistance for services and procedures
- Flexibility to choose dentist or dental/oral health care provider
- Lowest premium and price for service → HMO
- Flexibility to select provider, lower premium → PPO
- Greatest flexibility to select provider → Indemnity or Fee-for-Service plan
- Flexibility of choosing the provider you want
- Support if a provider is are out of the network
- Bigger discounts on services when you choose our in-network provider.
- For most families, an HMO plan is a good fit due to the low premium and low out of pocket expense
- Limited to a single primary care provider
- Assistance is not provided for out-of-network providers
- Will not have to file a claim (insurance pays your dentist directly)
- Preventative services such as check-ups and teeth cleaning are free in an HMO (same for some other plans).
- Not required to visit only in-network dentists
- Discount and lowest price with in-network
- Must select one primary dentist or facility
- Only in-network providers
- Charged entirely out of pocket for out-of-network providers
- Copayment for procedures
- Preventative in-network as an example might be 70-100% of payment; major procedures around 50%
- Some procedures are zero out-of-pocket
- Charged a standard cost for specific dental service and procedures
- No deductible or maximums
- Coinsurance
- Not insurance
- No support for bigger procedures
- Do you have good oral and dental health? You might be interested in a diagnostic and preventative care plan.
- Are you considering orthodontics, or may need more advanced procedures or surgery to correct dental problems? More coverage and a plan that provides those services is probably for you.
- Regular dental check-ups and cleaning (preventative care included free with most plans)
- Identify and treat oral issues before they become more serious health problems
- Dental treatments earlier on (such as orthodontics) before your children enter college
- Benefits help cover procedures and treatment costs
- Playing sports or physical activities, won’t be a concern for going to the dentist
Choosing the Right Dental Insurance Plan
To choose the right dental insurance policy, decide if price or flexibility matters most.
The most common type of dental plan selected is the Preferred Provider Organization (PPO). With this policy, you’re not limited to a network for benefits. The PPO plan offers:
If price matters more than provider, then a Health Maintenance Organization (HMO) plan could be right for you.
For the most flexibility, the largest selection of providers is available through our indemnity (Fee-for-service) plan. See any doctor or specialist you or your family needs without the hassle of a referral.
Comparing Dental Plans
Choosing dental insurance can get complicated. Our agents are here to help answer your questions and provide the information you need, to get the right dental insurance plan for you. Some dentists provide a dental discount plan, which is not dental insurance, but provides discounted services:
| PPO | HMO (Prepaid) | Fee-for-Service (Indemnity) | Dental Discount Plans | |
|---|---|---|---|---|
| Dentist & Oral Health Provider Choice | Fewer limitations | Limited selection of providers | Largest selection of providers | No limitations |
| In-Network vs. Out-of-Network providers | Don’t have a network, pay the same for any provider | Plan needs to be available and services provided only through that dentist | ||
| Out-of-Pocket Expenses | Copayment for procedures with an additional fee (dentists are not reimbursed by insurance) | Everything out of pocket, but with reduced service and treatment fees | ||
| Maximums & deductibles | Need to reach deductible + have maximum (usually $1,000-3,000) | Need to meet a deductible and have an annual maximum of coverage (usually $1,000-3,000) | ||
| Premium | Higher premium | Lowest premium between | Highest premium | No premium as not insurance |
How to Determine Your Coverage
When deciding the level of dental insurance coverage you will need, it depends on a number of factors:
Our agents can help you work through your needs to decide what coverage and plan is right for you. Whether you are an individual policyholder or have a family, selecting the right dental plan has never been easier than with us.
Coverage for you and your family means:
When to Get Dental Insurance
Given some procedures and treatments may have waiting periods for benefits to begin, getting dental insurance today starts preventive care tomorrow, so you’ll be ready and covered when any procedures are needed in the near future. One of our agents will be happy to answer your questions to help pick the plan that works for you.
Dental insurance coverage allows you to smile with confidence, knowing when it comes to your teeth and oral health, you’ve got it covered.
YOUR DENTAL INSURANCE QUESTIONS. ANSWERED.
Is Health Insurance Required to Get Dental Insurance?
No. Health insurance is not required to get dental insurance. You can get dental insurance separately, especially if you employer provides health insurance but not dental insurance, but health insurance is not required to get dental insurance.
Is Orthodontic Care & Braces Included?
A dental insurance plan has the option of choosing orthodontic services to be included. For most plans, it is not included. If this is of importance to you for your dental insurance policy, make sure to discuss it with one of our agents or check that it’s included through your employer before seeking orthodontic work.
In most cases, affordable dental insurance with the appropriate coverage for orthodontic work is available, but always check with us or your insurer first. When coverage is not included, an alternative plan can always be recommended, with coverage and a new plan being introduced as soon as possible.
What Do In-Network and Out-of-Network Mean?
Depending on your dental insurance plan, some health care providers will be either in or out of network. In-network providers have agreed to charge lower rates on services for policyholders, with some plans only providing assistance for health care providers that are in-network.
In some instances, going to an in-network provider is not only the cheapest for care, but won’t require submitting a claim. Insurance and your dentists handle everything for you. Visit “choosing the right dental plan’ above for more information.
Will I Have to Change Dentists?
Yes or no, depending on the type of plan that you have. If your dentist is in-network or out-of-network determines if insurance will cover your visit, or what percentage of service or amount you will have to pay out-of-pocket. You may need to change dentists or oral health care provides to receive the lowest service cost, if they are not on your HMO qualified provider list.
Check with one of our agents to find out if your current dentist is in-network.
Is Dental Covered by Obamacare or the Affordable Care Act (ACA)?
No. Obamacare does not require dental coverage and you will not face tax penalties for not having it.
Is Advanced or Serious Dental Work Covered?
Yes, depending on the type of dental insurance plan. Major treatments such as fillings, extractions, root canals, and crowns are covered. The amount and provider might be limited, based on your plan. Speak to one of our expert dental insurance agents to find out what plan will cover the procedures that you need.
Is there waiting period for benefits?
Yes. Most dental insurance plans are best acquired ahead of dental and oral health treatments, as waiting periods make it more of a long-term investment over a short-term solution. Basic services such as filling and extractions, can require a 4-6 month waiting period. Major services like crowns or root canals, can be longer sometimes up to a 12-month wait.
Is There An Insurance Payout Limit?
Yes. Dental insurance payout maximum depends on each plan and works differently than normal health insurance. Where health insurance will pay a percentage of the health costs, and sometimes a major portion of it, dental insurance only pays up-to a certain amount yearly. This can range anywhere from $1,000-3,000 depending on your specific policy.
Dental Insurance Vs. Dental Discount Plan
Dental discount plans are not a type of insurance, and operate differently than dental insurance. Provided by dentists, dental discount plans offer discounted service costs and sometimes also free check-ups and cleaning. Although offering discounted services rates, dental discount plans do not provide assistance for more advanced or costly major procedures. This means all dental expenses through a dental discount plan are out-of-pocket.
We Can Help You Find the Right Policy
Instead of trying to navigate the confusing insurance marketplace alone, contact us today to request help from our experienced team of agents. We understand the ins and outs of the industry and will be able to help you find the dental insurance plan that’s right for you and your family. Oh, and our expert advice is always free.
Step 1: Contact an Agent
Our expert team of agents is awaiting your phone call. We have served over 150,000 Floridians, like you, in the past 30 years.
Step 2: Compare Plans
Your agent will work with you, explaining all of your options and giving their expert advice to find the perfect plan that fits all of your needs.
Step 3: Finalize Your Policy
In one phone call, we’ll finalize your policy.
Good oral hygiene which includes regular visits to your dentists could prove to be an important way to help prevent these diseases.
Get the peace of mind that you are keeping your family healthy
Many families have been skipping regular visits to the dentists to save money in this difficult economy. This may seem like a good idea now, but could have consequences in the years to come. There are cost effective ways to ensure that you and your family’s dental requirements are met. Murray Insurance has a variety of Blue Cross Blue Shield Policies to fit your budget.
Different options for different needs
The dental plans offered by Murray Insurance are designed for flexibility. We have a co-pay plan and a PPO plan. Both are excellent policies. Features or our dental plans include:
- Preventive services like cleanings and check-ups at little or no cost to you
- No claim forms to complete when you choose a dentist in our network
- 20% off of cosmetic procedures like teeth whitening and orthodontic expenses
- Some plans even come with no deductibles and no annual maximums.
You will never pay more for your dental coverage with Murray Insurance
Murray Insurance has been protecting the health of Florida families since 1981. We give our customers the service and the attention they do not get from the big insurance companies along with the help if there are ever any issues.
For more information about our dental plans and pricing contact us by email or call 1-800-338-9908.
