SelectHealth Fundamental 1500 Dental Plan
Explore the SelectHealth Fundamental 1500 Dental Plan, your gateway to exceptional dental care! With a budget-friendly $50 deductible per person, this plan provides quality dental services for you and your family. Benefit from thorough coverage, including cleanings covered at a substantial 90% rate after meeting the deductible. For minor dental needs, enjoy coverage at 70% after the deductible, and for major procedures, there's solid 50% coverage post-deductible. Plus, a generous $1500 maximum benefit per person each year ensures comprehensive coverage for all your dental requirements. Please keep in mind that orthodontics and dental implants are not covered under this plan, so additional arrangements may be necessary for these specialized treatments.
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 Fundamental 1500 Dental Plan, preventive care is easily accessible. You'll receive remarkable coverage for cleanings, with an impressive 90% coverage rate after meeting the deductible, allowing you to maintain excellent oral health without straining your finances.
Minor Dental Services
When it comes to minor dental procedures, rest assured that the plan provides substantial coverage at 70% after the deductible. This includes essential services like fillings and extractions, helping you maintain your dental well-being without breaking the bank.
Major Dental Services
For more extensive dental treatments, such as root canals and crowns, our plan offers solid coverage at 50% after the deductible, ensuring that you can access crucial 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 Fundamental 1500 Dental Plan. If orthodontic care is needed for you or a family member, you'll need to explore alternative coverage options or make separate arrangements for payment.
Implant Coverage
It's essential to note that the SelectHealth Fundamental 1500 Dental Plan does not include coverage for dental implants. If you are considering dental implant surgery, please be prepared for potential out-of-pocket expenses and consult with your dental provider to explore suitable options for your specific needs.
Maximum Yearly Dental Benefit
njoy peace of mind with a maximum benefit of $1500 per person each year. This benefit resents 12 months from when you enrolled in this plan. This generous allowance allows you to access essential dental services without concerns about exceeding your budget, providing financial security for your oral health.
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.
