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SelectHealth Fundamental 1500 Dental Plan
Introducing the SelectHealth Fundamental 1500 Dental Plan – your key to a healthier, happier smile without breaking the bank! With just a $50 deductible per person, this plan kicks off your dental care journey on the right note. We've got you covered with 100% coverage for cleanings once you meet the deductible. Plus, our minor work coverage kicks in after a mere 6-month waiting period, covering 70% of your costs after the deductible. For those more extensive procedures, like major work, you'll be pleased to know it's covered at 50% after the deductible, following a 12-month waiting period. And with a generous $1500 maximum benefit per person each year, you can confidently embark on your dental wellness journey knowing you're in good hands with SelectHealth. Say hello to a brighter, healthier smile – choose SelectHealth Fundamental 1500 Dental Plan today!
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.
Preventative Care
With the SelectHealth Fundamental 1500 Dental Plan, maintaining your oral health is a breeze. After a minimal $50 deductible, we cover 100% of your preventive care expenses, including regular cleanings. You can smile brighter knowing that your routine dental check-ups won't dent your budget.
Minor Dental Services
Minor dental work, such as fillings or extractions, is a breeze with our SelectHealth Fundamental 1500 Dental Plan. After just a short 6-month waiting period, we cover 70% of your expenses, making those minor dental hiccups less of a headache for your wallet.
Major Dental Services
When it comes to major dental procedures like surgeries or root canals, we've got your back. After a 12-month waiting period, our plan covers 50% of the costs, helping you navigate these significant treatments with confidence and financial peace of mind.
Orthodontia for Children
It's important to be aware that orthodontic treatments, such as braces or Invisalign, are not covered under the SelectHealth Fundamental 1500 Dental Plan. This plan is designed to provide comprehensive coverage for preventive, minor, and major dental work, but it does not extend to orthodontic services. If you or a family member require orthodontic treatment, you may need to explore alternative dental plans or specialized orthodontic coverage options to address your specific needs and create your ideal smile.
Implant Coverage
While the SelectHealth Fundamental 1500 Dental Plan offers extensive coverage for a wide range of dental needs, it's important to note that it does not cover dental implants. Implants can be a significant investment for restoring missing teeth, and this plan focuses primarily on preventive, minor, and major dental work. For those seeking implant-related procedures, additional financial planning or supplementary coverage may be necessary to ensure your dental health and aesthetic needs are met.
Maximum Yearly Dental Benefit
We understand the importance of comprehensive dental coverage, which is why our plan offers a generous $1500 maximum benefit per person annually. What's even better? This benefit resets every 12 months from the date you enrolled in the plan, ensuring that your dental care needs are consistently met and your smile stays healthy year after year. Choose SelectHealth for long-term dental wellness and financial security.
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
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.