Dental Insurance in Nebraska and Iowa

Maintaining good oral health is essential for overall well-being. Regular dental checkups, cleanings, and preventive treatments can help prevent costly and uncomfortable procedures down the road. Dental insurance plays a crucial role in making quality dental care accessible and affordable.

What is Dental Insurance?

Dental insurance is a type of insurance that helps cover the costs associated with dental care. It typically works on a fee-for-service basis, where you pay a monthly premium to the insurance company. In return, the insurance company pays a portion of your covered dental expenses according to the terms of your plan.

Benefits of Dental Insurance

• Preventive Care Coverage: Dental insurance typically covers preventive care procedures like cleanings, exams, X-rays, and fluoride treatments. By catching potential problems early, you can avoid more serious (and expensive) issues in the future.
• Reduced Costs for Restorative Procedures: Dental insurance often helps offset the costs of procedures such as fillings, crowns, root canals, and even dentures. This can significantly reduce your out-of-pocket expenses for necessary dental work.
• Discounted Network Services: Many dental insurance plans offer a network of dentists who have agreed to provide services at reduced rates. Using an in-network dentist can lead to additional savings.
• Peace of Mind: Knowing you have dental insurance can alleviate the financial stress associated with unexpected dental needs.

Protect your teeth and get dental insurance today.

Types of Dental Insurance Plans

There are two main types of dental insurance plans:

• PPO (Preferred Provider Organization): PPO plans offer more flexibility in choosing a dentist. You can see any dentist, in-network or out-of-network, but you will typically pay less for services received from in-network providers.
• DHMO (Dental Health Maintenance Organization): DHMO plans require you to choose a dentist from the plan's network. These plans typically have lower premiums but may offer less flexibility in choosing a dentist.

Choosing the Right Dental Insurance Plan

Several factors should be considered when choosing a dental insurance plan, including:

• Your Dental Needs: If you require extensive dental work, a plan with higher coverage for major procedures may be beneficial.
• Budget: Consider the monthly premium and your out-of-pocket expenses, such as deductibles and copays.
• Network of Dentists: Choose a plan with a network that includes dentists convenient to your location and who accept your preferred provider.

We Can Help You Find the Perfect Smile

At Full Circle Insurance Group, we are committed to helping you find the right dental insurance plan to meet your needs and budget. Our knowledgeable agents can answer your questions, explain different plan options, and guide you through the selection process. Contact us today to explore dental insurance plans and ensure a lifetime of healthy smiles for yourself and your family.