Individual Products

Individual dental insurance usually pays a percentage of the service charge during the first year that increases for the next two years on most plans. Some plans offer discounts based on usual and customary charges.

There are several categories of services that are covered. Preventative and Diagnostic are sometimes combine together.

Many insurers classify them as follows though each carrier has their own definitions:

Preventative - routine oral exams (cleaning and floride application) and other procedures

Diagnostic - x-rays and other procedures

Basic - extractions, fillings, prosthodontics (denture repairs, etc.) and other procedures

Major - endodontic, periodontic, crowns, prosthetic services, oral surgery

Orthodontics - braces, many plans do not cover or cover only dependents to a certain age

There are different waiting periods before the carrier covers the various categories. Most waiting periods are:

• Preventative - Diagnostic  - Basic  - Major  - Orthodontic
  0 months  - 0 months  - 6 months  - 12 months  - 12 months
  
• Procedures and waiting periods vary with different carriers and for the different plans a carrier offers.
  
• The deductible is usually a small amount of $50 or $100 per person per calendar year. Orthodontic deductible is separate and usually $100.
  
• The yearly maximum benefit is usually $1000 or $1500 per person per calendar year. Orthodontic maximum is separate and usually $1000 or $1500 lifetime maximum.

Please be aware that policies have limitations and exclusions.

For more information or a no-obligation quote please complete our confidential form below. The detailed information will assist us in providing the most accurate quote. (Refresh the page after submitting to bring up another form for the next person if needed.) This is confidential for use by our company alone.

Or click on the links on the next page for a quote or to apply directly with a carrier.

We will be glad to assist you in determining the best plan for your needs.

We only offer coverage for those residing in Mississippi.