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DENTAL INSURANCE
Pinellas County, FL

DENTAL INSURANCE

Oral Health Is Important to Your Overall Health

Steve Turner
Insurance Specialist
Serving Pinellas County, Fl

Do I Need Dental Insurance Insurance?

An average dental exam cost $203. White fillings cost $135–$400; extractions cost $50–$900; root canals cost $300–$2,000; and dental implants cost $1,000–$3,000.

If you’re wondering whether or not you need dental insurance, you should first know that medical insurance doesn’t cover most dental services. You can develop oral or dental issues anytime, from not caring for your teeth to an illness or accident.

Dental insurance provides coverage that can save money and help ensure a healthy mouth. You’ll pay rates that dentists have agreed to accept for providing services to your plan. So whether you have coverage through your job or you purchase a plan on your own, dental insurance should be part of your financial planning.

You must see a dentist when your teeth hurt, and the pain increases daily. Dental insurance will save you a ton of money, likely when your budget needs help. Whether you need dental insurance for yourself, your family, or your business, I can help you find a plan that works for your budget.

HOW I CAN HELP YOU
Pinellas County, Florida

PREVENTATIVE BENEFITS

Regular dental exams and cleanings are critical to identify issues before they require major, costly procedures. If tooth decay goes unnoticed and untreated, you could be spending a lot of money for a root canal down the road. Most dental plans cover preventive visits at little or no additional cost.

LESS FINANCIAL RISK

Even with proper preventive care, major dental health issues sometimes arise. You have insurance against risk for your health, your car, and your home—don’t forget about your mouth.

BEST RATES

Dentists who belong to your plan’s network have a contract with the Dental Insurance plan you choose to provide you with services at a set fee. That means your out-of-pocket cost is less than if you were to walk in for treatment.

DENTAL INSURANCE FAQ
Pinellas County, FL

  • 100% for preventive care, including cleanings, exams, and X-rays.
  • 80% for basic procedures, such as fillings.
  • 50% for major procedures, such as crowns and dentures.

In Pinellas County, Florida, the effective date of dental varies from plan to plan and depends on your insurance carrier. In most cases, it is the next day after enrollment. As a result, once a person reaches the effective date of their dental coverage, they can start using the benefits covered in their policy.

In Pinellas County, Florida, if the contract stipulates that reimbursement for the procedure is non-billable, then the claim will be denied, and the participating dentist also cannot bill the patient for the procedure. This makes it very important to note the contract language and processing policies for every plan you are contracted with.

In Pinellas County, Florida, the Coordination of Benefits occurs when a patient is entitled to more than one dental plan benefit. Plans will coordinate the benefits to eliminate over-insurance or duplication of benefits. It is important to note that only group (employer) plans must be coordinated.

In Pinellas County, Florida, on average, people spend between $20 and $50 monthly on dental insurance premiums, with annual estimates ranging from $240 to $600. However, dental insurance costs include co-insurance, copayments for specific treatments, annual maximums (the coverage limit per year), and deductibles.

In Pinellas County, Florida, according to the National Association of Dental Plans, Dental PPO plans are the most predominant type of plan in the U.S. market, with 82 percent of all dental policies being PPOs.

In Pinellas County, Florida, Delta Dental is the single largest dental insurance provider in the United States, with over 80 million people enrolled in the plans offered by Delta Dental entities.

In Pinellas County, Florida, for restorative treatment by an NHS dentist, the defective work will usually be repaired or retreated for no charge if a problem occurs within 12 months of your original procedure or treatment. This is typically true for permanent treatments, such as Crowns and Fillings.

In Pinellas County, Florida, your insurance policy period will be listed as a date range, showing both the effective and expiration dates. The time between those two dates, inclusive, represents your policy period.

In Pinellas County, Florida, PAT is the amount you, as the patient, are estimated to pay after your insurance is considered.

WHAT ME CLIENTS SAY ABOUT ME
Pinellas County, Florida

INSURANCE OFFERINGS
Pinellas County, Florida

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QUESTIONS? CONTACT ME

I’m here to take your calls and emails and respond to your questions Monday through Friday from 9:00 a.m. to 5:00 p.m., excluding posted holidays.

CALL/TEXT: M-F 9-5

EMAIL ME: 24×7


OFFICE LOCATION

STEVE TURNER INSURANCE SPECIALIST

14502 N DALE MABRY HWY

SUITE 200

TAMPA, FL 33618