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SelectHealth Classic 1500 Dental Plan

Welcome to the SelectHealth Classic 1500 Dental Plan, your ticket to exceptional dental care! With a mere $50 deductible per person, this plan offers affordability and peace of mind for you and your family. Enjoy comprehensive coverage, including 100% coverage for cleanings post-deductible. While minor dental work is covered at 70% and major procedures at 50% after the deductible, there's a generous $1500 maximum benefit per person each year to ensure all your dental needs are met. Please note that orthodontics and dental implants are not included in this plan, so if you require these specialized services, additional arrangements may be needed to address your specific dental needs.

Carrier

SelectHealth

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.

Plan Year

2024

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.

Individual Deductible

$50

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

$150

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.

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Preventative Care

Under the SelectHealth Classic 1500 Dental Plan, preventive care is a breeze. You'll receive exceptional coverage for cleanings, with a remarkable 100% coverage rate after meeting the deductible. This ensures your oral health remains a top priority without breaking the bank.

Minor Dental Services

When it comes to minor dental procedures, rest assured that the plan has you covered at 70% after the deductible. This includes essential services like fillings and extractions, helping you maintain your smile without straining your budget.

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Major Dental Services

For more extensive dental treatments, such as root canals and crowns, our plan provides solid coverage at 50% after the deductible. This ensures that you can access critical dental procedures with reasonable out-of-pocket expenses.

Orthodontia for Children

Please be aware that orthodontic treatments, such as braces or aligners, are not covered under the SelectHealth Classic 1500 Dental Plan. If you or a family member require orthodontic care, you'll need to explore alternative coverage options or make separate arrangements for payment.

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Implant Coverage

It's important to note that the SelectHealth Classic 1500 Dental Plan does not include coverage for dental implants. If you're considering dental implant surgery, please prepare for potential out-of-pocket expenses and consult with your dental provider to explore suitable options for your specific needs.

Maximum Yearly Dental Benefit

Enjoy peace of mind with a maximum benefit of $1500 per person every year. This generous allowance allows you to access essential dental services without worrying about exceeding your budget, providing financial security for your oral health.

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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.

Helpful Links

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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! 

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Book a phone, virtual or office appointment. How do you want to book?

we are here to help

Schedule now

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. 

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