Dental Insurance options for Texans to consider. Individual dental insurance for Texas is a question I always get asked about what options. Most people really become interested in dental insurance when they have dental issues – cavities, crowns, or are in pain. Being in need of assistance when you are in pain limits your choices to a few plans such as HMO’s and PPO plans with a increasing benefit year over year. We have discount plans as well, I am sure we can find a plan that can meet your needs.
Most basic dental plans have have no waiting periods for preventive cleaning/x-rays but do have waiting periods of 6-months for minor work – fillings, and 12-month waiting period for major work. If you are leaving a group plan dental, we have one company that waves the waiting periods if you transition to their plan within 30-days of leaving the group coverage. The company offers benefits similar to group plans with a 100/80/50 with $1500 in annual benefit.
When considering a dental plan, I always suggest looking at the annual premium outlay to ensure it makes sense for your specific situation. If you just need cleanings usually, we have some plans that keep premiums low that offer preventative and minor coverage after 6-months. The major coverage on this plan turns to a discount plan.
If you need assistance finding a plan for your specific needs, give us a call and we can share with you what is available on the market.