Best Dental Insurance Plans For Individuals in Alaska
What’s the deal with dental insurance in Alaska? What does it cover? Are there limits? Is it even worth getting? Is there a better alternative?
Dental insurance can be daunting and full of questions. Don’t worry, we’re here to help answer them for you. Keep reading below and you’ll get the inside scope on the best dental insurance plans available for individuals and families in Alaska.
- No pre-authorizations before getting treateds
- Save between 15-50% on most dental services
- 213,000 participating locations nationwide
- Coverage that can fit nearly any budget
- Dental Indemnity Plans available, allowing you to visit any dentist
Questions & answers
How does dental insurance work?
How much is dental insurance coverage?
Typically, the most basic dental insurance plan costs around $20 per person per month.
But then there’s a deductible (the amount you must pay before the policy covers anything), which can range from $50 to $200, depending on the plan you have. Once you’ve met your deductible, insurance pays for 20-80% of the bills (in more rare cases, 100% of the bill).
And then there is a yearly maximum, which is the amount your insurance will pay for services in a policy year. Usually, maximums range from $750 to $2,000.
What is covered by dental insurance?
Not all dental services are covered by insurance. Dental procedures fall into one of three different categories: basic, preventative, and major. Most dental insurance policies will cover 100% of the cost of preventative care (like dental cleanings or X-rays).
Basic procedures would be things like gum disease treatment, tooth extractions, or fillings. Usually, dental policies cover 70-80% of these procedures.
Major procedures — like bridges, dentures, braces, and crowns — are usually partially covered, but the patient will end up paying a lot more than the policy will pay.
And cosmetic procedures are not usually covered by insurance policies. These would be things like teeth whitening or veneers.
Are dental implants covered by insurance?
What is the waiting period for dental insurance plan?
Is there any dental insurance with no waiting period?
Dental insurance policies typically have a waiting period of 6-12 months.
However, there are things called dental discount plans that have no waiting period. You apply online, get approved right away, and start getting discounts of up to 60% on every single dental service.