I tell my clients that Dental and Vision are great benefits when the employer pays for them. But may not be a good use of your own funds. In general individual dental plans have a $1,000/y maximum benefit. And the premium is $50/m.
New for 2018: Delta Dental now offers a plan with a $2,000/y maximum benefit.
Think of dental Insurance as a way to budget your expenses over the year on a monthly basis with just a little bit of insurance thrown in.
I only offer Delta Dental for insurance coverage. It’s a reasonable price in my opinion and has the largest network (its Nationwide).
Delta Dental of WA (Washington Dental Service) has three good options noted in bold type below for your consideration. The plans all have no waiting period for preventive care services. Typically they have a twelve month waiting period for restorative benefits. Except for the Clear plan which has no waiting period.
Waiting periods may be waived if there is proof of recent prior coverage. You will be asked to add information about your prior dental plan if you have had one in the past 60 days. With that information on your Delta Dental application, the waiting periods will be waived/credited.
Here is a brief outline of coverage options.
Premium
$2,000/y Maximum ($58/m Adult age 50+)
0% preventive/50% restorative – No wait for preventive, fillings
12 month waiting period for other restorative
This plan is the closest to a group plan
Enhanced
$1,000/y Maximum ($48/m Adult age 50+)
0% preventive/50% restorative – No wait for preventive, fillings
12 month waiting period for other restorative
Classic $1,000/y Maximum ($40/m Adult age 50+)
20% preventive/50% restorative – No wait for preventive
12 month waiting period for restorative
Clear
No annual Maximum ($49/m Adult age 50+)
Set price for each procedure IE $65 preventive, $115 fillings, $740 crowns (one per 12 months)
no waiting period
Basic Plan $1,000 Annual Maximum ($30/m Adult age 50+)
0% preventive, 50% fillings- no restorative benefits except for fillings
6 month wait for fillings
You can review the different ‘plan details’ and also ‘enroll online’ here
If you wish you can read ‘View Policy’ when online for complete details of each separate plan.
Rates may be based on age brackets such as Under 18, 18 to 30, 30 to 50, and over age 50. Let me know if you have any questions.