SelectHealth Fundamental 1000 Dental Plan
This dental plan has a $50 deductible per person. Cleanings are covered 100% after deductible. It has 6 month waiting period for minor work and a 12 month period for major work. Minor work is covered at 80% after deductible and major work is covered at 50% after deductible. There is a $1000 maximum benefit per person on this plan each year.
Carrier
SelectHealth
Plan Year
2025
Individual and Family Deductible
Dental insurance deductibles work similarly to health insurance deductibles, but they apply specifically to dental care. Individual deductibles are the amount a person must pay out-of-pocket for covered dental services before the insurance starts covering a portion of the costs. In a family plan, each family member has their own individual deductible, but many plans also have a family deductible cap, meaning once the family’s combined spending reaches a certain limit, the insurance will kick in for all members. These deductibles generally apply to services like fillings, crowns, and other restorative treatments, but routine care such as cleanings and exams may be covered without needing to meet the deductible. Understanding how these work ensures you're prepared for any out-of-pocket costs when seeking dental care.
Individual Deductible
$50
Family Deductible
$150
Preventative Care
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.
Implant Coverage
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 Fundamental 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 dentists 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 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.
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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.
PPO Plans and 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 and contact the dentist to work out a payment plan.
