SelectHealth Classic 750 Dental Plan
Introducing the SelectHealth Classic 750 Dental Plan - your gateway to comprehensive dental coverage that puts your oral health first. With a mere $50 deductible per person, getting the care you need has never been more accessible. Once that deductible is met, enjoy the peace of mind that comes with 100% coverage for cleanings. Plus, our plan includes a manageable 6-month waiting period for minor dental work, and a 12-month waiting period for major procedures, ensuring you're well-prepared for any dental eventuality. When it comes to those minor issues, rest easy knowing you're covered at a generous 80% after the deductible. Even for major dental work, you'll receive a substantial 50% coverage after the deductible, helping you manage those unexpected expenses. And to top it all off, there's a generous $750 maximum benefit per person each year, so you can receive the care you need without breaking the bank. Secure your smile and your budget with the SelectHealth Classic 750 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.
The SelectHealth Classic 750 Dental Plan is dedicated to promoting preventive care for your oral health. With a $50 deductible per person and 100% coverage for cleanings after the deductible, we prioritize regular maintenance to keep your smile in tip-top shape. Our plan empowers you to proactively manage your oral health, ensuring that minor issues are caught early and major problems are minimized. Investing in preventive care today means fewer dental concerns tomorrow, and our plan is here to support your journey to a healthier, happier smile.
Minor Dental Services
After just a short 6-month waiting period, the SelectHealth Classic 750 Dental Plan extends its coverage to include minor dental work. With a deductible of just $50 per person, you'll be delighted to find that you're covered at an impressive 80% after meeting the deductible. This means that you can address those minor dental issues with ease, ensuring that your oral health remains a top priority without causing a major dent in your wallet. Trust in our plan to provide timely and cost-effective coverage for your dental needs.
Major Dental Services
For major dental work, the SelectHealth Classic 750 Dental Plan has you covered. While there is a 12-month waiting period to access major work benefits, our plan ensures that you'll receive essential support when you need it most. Once the waiting period is satisfied and the $50 deductible per person is met, you'll benefit from a substantial 50% coverage for major procedures. Whether it's a significant restoration or extensive treatment, our plan is designed to help you manage the costs, so you can focus on restoring your oral health and maintaining your confident smile.
Orthodontia for Children
It's important to note that orthodontic treatment is not covered under the SelectHealth Classic 750 Dental Plan. While we provide comprehensive coverage for many dental needs, orthodontic care falls outside the scope of this plan. We recommend considering alternative dental or orthodontic coverage options if you anticipate the need for braces or other orthodontic treatments in the future. Our plan remains committed to meeting your other dental care needs, offering valuable benefits for a wide range of services beyond orthodontics.
We want to make sure you have all the information you need about the SelectHealth Classic 750 Dental Plan. It's important to be aware that dental implants are not covered under this particular plan. While we do provide coverage for a variety of dental services, including preventive care, minor work, and major procedures, dental implants are not included in the list of covered treatments. We understand that dental implants can be a significant part of dental care for some individuals, and we recommend exploring other dental coverage options or discussing implant-specific plans with your dentist if you anticipate needing this particular treatment. Our aim is to be transparent about the coverage our plan provides, ensuring you can make informed decisions about your dental health.
Maximum Yearly Dental Benefit
The SelectHealth Classic 750 Dental Plan comes with a maximum annual benefit of $750 per person, offering you peace of mind and financial predictability when it comes to your dental expenses. This means that once you reach this annual limit, your plan will not provide additional coverage for that year, and you will be responsible for any dental costs beyond this amount. However, the $750 maximum benefit per person is designed to accommodate a wide range of dental needs, from routine cleanings to more extensive procedures, helping you manage your oral health effectively without straining your budget. With this plan, you can confidently prioritize your dental well-being while staying within your financial comfort zone.
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.