SelectHealth Classic 1000 Dental Plan
Discover the SelectHealth Classic 1000 Dental Plan, your key to comprehensive and affordable dental care. With just a $50 deductible per person, this plan covers cleanings at 100% post-deductible, ensuring your preventive care is worry-free. For minor work, an 80% coverage after deductible is available with a six-month waiting period, while major work is covered at 50% after deductible with a 12-month waiting period. Plus, you'll have a generous $1000 maximum benefit per person annually. Secure your smile's health without breaking the bank – choose the SelectHealth Classic 1000 Dental Plan today!
The company that provides and manages your insurance coverage. You pay your insurance premiums, which are regular payments to maintain your coverage, directly to the carrier.
A dental plan year typically spans one year from when you enrolled in the plan. At the start of each new year, plans reset, and any deductibles, out-of-pocket maximums, and benefits calculations begin anew.
Individual and Family Deductible
Dental insurance plans offer individual and family deductibles to accommodate varying needs. Individual deductibles require a specific out-of-pocket payment before insurance coverage applies to dental procedures, while family deductibles consolidate these costs for the entire family's dental expenses.
These plans typically categorize dental work into minor and major procedures. Minor work covers routine treatments like fillings and simple extractions, with insurance sharing the cost. In contrast, major work, which includes procedures such as root canals or crowns, often requires a larger patient contribution. It's important to note that the deductible normally doesn't apply to preventative care, such as check-ups and cleanings, which are often covered at no cost, emphasizing their role in maintaining oral health without additional financial burden.
A deductible is the amount you pay out of your own pocket before your insurance coverage starts. It's a way to share costs between you and the insurance company.
Family deductible is the amount the entire family, or everyone enrolled on the plan, must meet before insurance pays a portion of your covered services.
With the SelectHealth Classic 1000 Dental Plan, your preventive care is a breeze. Enjoy 100% coverage for cleanings after a low $50 deductible, ensuring your oral health is in top shape.
Minor Dental Services
For minor dental procedures, our plan offers an impressive 80% coverage post-deductible. Plus, the six-month waiting period ensures you're swiftly covered for those essential treatments.
Major Dental Services
When it comes to major dental work, we've got you covered with a 50% coverage rate after the deductible. Our 12-month waiting period ensures you're prepared for more extensive procedures.
Orthodontia for Children
While the SelectHealth Classic 1000 Dental Plan offers comprehensive coverage for various dental needs, it's important to note that orthodontic treatments, such as braces or aligners, are not included in this plan. These specialized procedures require specific orthodontic insurance or additional coverage options to ensure you have the support you need for achieving that perfect smile alignment.
Dental implants, a popular solution for tooth replacement, are not covered under the SelectHealth Classic 1000 Dental Plan. These procedures typically fall under a separate category of dental services and often require specific implant-focused insurance or additional dental coverage options. If you're considering dental implants, it's advisable to explore alternative plans or additional coverage to meet your specific needs and budget.
Maximum Yearly Dental Benefit
The SelectHealth Classic 1000 Dental Plan not only offers comprehensive coverage but also a generous annual maximum benefit of $1000 per person. What makes this benefit even more appealing is that it resets every 12 months from the date you initially signed up for the plan. This means you can count on renewed coverage and financial support for your dental needs year after year. Whether it's routine check-ups, minor treatments, or major dental work, you can confidently plan your oral healthcare knowing that your maximum benefit will refresh to its full potential, ensuring your dental well-being is consistently taken care of.
Full Summary of Benefits and Helpful Links
Official documents, such as your insurance policy or Summary of Benefits and Coverage (SBC), outline the details of your coverage, including deductibles, copayments, and covered services. Provider links, often available through your insurance company's website, offer directories of in-network healthcare professionals and facilities, helping you find the right doctors and hospitals that are covered by your plan. Utilizing these resources can empower you to make informed healthcare decisions and effectively navigate your insurance coverage.
Schedule a consultation with a local Utah health insurance agent
We're happy to meet with your in-person or over the phone to help you with your health insurance needs. We can help you with health insurance on or off the marketplace, Medicare Advantage & supplements, dental insurance, vision insurance, life insurance or accident plans. Thank you for letting us be your advocate. Best part, is our help is always free!
This is a quick snapshot of the most popular copays, deductibles, and coinsurance that you would be responsible for on this dental plan. Preventative services include dental cleanings, exams and x-rays. Most plans cover your preventative care every 6 months with no waiting period. Basic dental work includes minor services like filling a cavity and may have a waiting period before these services will be covered on your plan. Major work includes services like crowns and root canals and may have a waiting period before these services are covered. Dentures and implants are normally NOT included in dental insurance. If you need coverage for these services, please let your local agent know so that you have a plan that includes those services.
To learn what each of the terms mean, please visit our terms and definitions page. Copays and coinsurance listed are amounts that you would pay after deductible unless specified otherwise. This is not a full list of services included on the plan. This snapshot is not guaranteed to be accurate. To verify plan benefits or for full details please see the full summary of benefits or or get a complete terms of coverage on the health plan carrier's website.
***Out of Network Limitations and Balance Billing
Some dental plans offer out of network coverage. This is a great benefit because you can visit any dentist in the nation. Which means that if you are traveling, or have a dental emergency, you can visit a dentist for the service you need right away and have a portion of your bill covered by your dental insurance. Please note that if you see an out of network provider, that dentist is allowed to "balance bill" you. This means that your dental insurance company pays your dentist what is reasonable and customary for the services you received. In most situations that dentist accepts that payment and you are only responsible for your portion of the bill. Occasionally, that dentist will decide that the reasonable and customary amount they received from the dental insurance is not enough. That dentist will bill you for the additional charge or 'balance bill' you. You are responsible to pay this amount or contact the dentist to work out a payment plan.