SelectHealth Fundamental 750 Dental Plan
Unlock a world of dental care affordability and peace of mind with the SelectHealth Fundamental 750 Dental Plan! With a minimal $50 deductible per person, you'll dive into a realm of comprehensive coverage that ensures your smile stays radiant and healthy. Whether it's routine cleanings, minor work, or major procedures, we've got you covered. Enjoy the confidence of knowing that cleanings are fully covered after the deductible, while minor work and major procedures receive generous 80% and 50% coverage, respectively. Plus, there's a $750 maximum benefit per person each year, making sure your dental well-being is our top priority. Don't wait – embrace a brighter, worry-free smile today with SelectHealth Fundamental 750 Dental Plan!
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
The SelectHealth Fundamental 750 Dental Plan places a strong emphasis on preventive care, recognizing that maintaining good oral health starts with proactive measures. With 100% coverage for routine cleanings after a small $50 deductible, we empower you to stay on top of your dental well-being without financial burdens. Our commitment to preventive dentistry ensures that you can enjoy a healthy, confident smile for years to come, all while minimizing the risk of more extensive and costly dental issues. Choose the SelectHealth Fundamental 750 Dental Plan, where prevention is not just a concept, but a cornerstone of our comprehensive coverage.
Minor Dental Services
When it comes to minor dental work, the SelectHealth Fundamental 750 Dental Plan truly shines. With a mere 6-month waiting period, you can address those smaller dental concerns sooner rather than later. After meeting the deductible, enjoy a generous 80% coverage, making procedures like fillings, extractions, and more affordable and accessible. Don't let minor issues turn into major problems – trust our plan to provide reliable support for your dental health needs.
Major Dental Services
For major dental procedures, the SelectHealth Fundamental 750 Dental Plan has you covered with a sensible 12-month waiting period. When you need extensive work like crowns, bridges, or oral surgeries, our plan steps in to alleviate your financial worries. After the deductible, you'll receive substantial 50% coverage, ensuring that you can address significant dental issues without breaking the bank. Rest assured, your dental health is in capable hands with our comprehensive coverage for major work, allowing you to smile confidently, no matter the procedure.
Orthodontia for Children
It's important to note that orthodontic services are not covered under the SelectHealth Fundamental 750 Dental Plan. While our plan offers comprehensive coverage for routine care, minor work, and major procedures, orthodontics, such as braces or aligners, falls outside the scope of this particular plan. We recommend exploring specialized orthodontic coverage or discussing orthodontic options with your dental provider separately if needed to achieve your desired smile transformation.
Implant Coverage
Please be aware that the SelectHealth Fundamental 750 Dental Plan does not include coverage for dental implants. While our plan provides comprehensive benefits for various dental needs, including routine cleanings, minor work, and major procedures, dental implants, which are often considered a specialized treatment, are not covered. If you are considering dental implants, we recommend consulting with your dental provider to explore alternative coverage options or discuss potential financing arrangements to address your specific implant needs. Your oral health remains our priority, and we are here to support you in making informed decisions for your dental care.
Maximum Yearly Dental Benefit
With the SelectHealth Fundamental 750 Dental Plan, you'll enjoy the peace of mind that comes with an annual maximum benefit of $750 per person. What makes this plan even more convenient is that this maximum benefit resets when you enroll, ensuring that you have access to the full coverage amount each year. So, whether you're in need of routine check-ups, minor dental work, or major procedures, you can count on your benefits to refresh when you join the plan, allowing you to make the most of your dental coverage year after year. Say goodbye to worries about exhausting your benefits – with us, your oral health is always in good hands, ready to start anew whenever you do.
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.
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.
