Dental Insurance Questions…Easily Explained

Do you have questions about dental insurance plans? We can help explain the differences between plan types and let you compare plans. When you’re ready, let us help you find the best dental plan for you.


FAQ Sections:        Dental Plans     |     Dental for Seniors     |     Dental for Families      |     Signing Up for a Plan

Dental Plans – FAQs

  • How do I find the right plan?
    It’s usually best to determine your coverage needs and then compare between the plan and carrier options to find the best fit for you. You’ll want to choose between Full Coverage Insurance plans and Dental Discount plans depending on your budget and the types of procedures you may need. Full coverage plans will have options for PPO plans, Indemnity plans, and Immediate Coverage Plans. Be sure the view the plan details to compare any copay amounts and search for providers in your area.
  • What are PPO dental insurance plans?
    PPO dental insurance plans utilize a network of dental providers to reduce plan costs. By seeing “In-Network” providers, members typically get more comprehensive coverage and those providers only charge the lower in network rates. Members can also usually see Out of Network dentists though there may be some benefit limitations and dentists can balance bill for additional charges.
  • What are Full coverage dental insurance plans?
    Full coverage dental insurance plans typically offer benefits for preventive care like routine oral exams, cleanings, and fillings, as well as major services such as dentures, root canals and crowns. Many plans will also include benefits for orthodontic services and some even have benefits for dental implants. These plans are more comprehensive in nature and generally make benefit payments to providers.
  • What are Indemnity dental insurance plans?
    Indemnity dental insurance plans are generally known as “fee for service” plans. These plans typically have a higher Out of Network payment so you can see any dentist of your choice. These plans are often classified as Indemnity or Open Choice plans.
  • What are Immediate Coverage dental insurance plans?
    Immediate Coverage dental insurance plans do not have waiting periods for services. This allow you to get access to all services, even major services like crowns, bridges, or root canals, once you start your plan.
  • Why should I consider a discount dental plan?
    Low cost discount dental plans offer a very attractive cost alternative to fully insured plans. By paying the membership fees, members can visit any dentist in the network and pay deeply discounted prices for services. Fees are paid directly to the dentist. While they’re not considered to be traditional “insurance”, these plans offer a wide variety of treatment options.
  • What does UCR mean and how does it work for Out of Network Dentists?
    UCR generally stands for usual, customary and reasonable. This is a type of payment usually made on some PPO plans for Out of Network providers. Some of our plans have Out of Network payments up to 80th % UCR. This generally means that 8 out of 10 providers in a given area charge that amount for a procedure.

Seniors Dental Insurance – FAQs

Family Dental Insurance – FAQs

  • What is a family coverage plan?
    Family dental plans provide a great savings along with access to a variety of dental providers such as general dentists, pediatric dentists and orthodontist. There will generally be a substantial cost savings by covering multiple family members under one plan rather than separate plans for each. The savings can be even higher for families with multiple children as the rates remain the same regardless of the number of children.
  • Do plans include pediatric dentists?
    Yes most plans and provider networks include a selection of pediatric dentists. You can use the “Find Provider” tool to search for In Network pediatric dentists for a plan.
  • Are there any child only dental plans available?
    Yes. In some states we do have child only dental plans available with AmFirst Insurance and Standard Life Insurance. You can contact us to learn more about signing up for a child only policy. Contact Us >.
  • Are there family discounts?
    Yes. When enrolling 3 or more members in a plan there is a discounted family rate that is applied.

Signing Up for a Dental Plan – FAQs

  • How can I get a dental or vision quote?
    It’s easy to get a quote. At the top of our site, just enter your Zip Code and click the green button to “Find Plans” to see plans available in your area. Or you can contact us at 888-482-0894 to get more info.
  • How can I sign up for a plan?
    It’s easy to enroll in a plan. If you’re viewing plans on our website, just click the yellow “Buy Now” button and complete the simple 3 steps to enroll. Or you can contact us at 888-482-0894 for assistance.
  • Are there any additional fees?
    There is a one time enrollment fee of $35. This one time enrollment fee is included in your first payment when you sign up. But all future monthly payments are only the premium amount for the plan you select.
  • Are there any guarantees or refunds available?
    Yes. If a member decides to cancel their plan for any reason within 30 days of enrollment and no claims are filed, then a refund will be made. See more: Our Guarantee.
  • Are there discounts or savings available for a dental and vision plan package?
    Yes. When enrolling in a dental plan you’ll have the opportunity to add a Vision insurance plan at a discounted rate that offers savings compared to our stand alone vision options.
  • How soon can my plan start?
    All plans are effective on the 1st day of the upcoming month when you enroll. There is a cutoff date on the 20th of each month in order to be active on the 1st of the upcoming month. In the system enrollments after the 20th are pushed to the following month.
  • What is the yellow countdown mean for # of days left to enroll?
    There is a cutoff date on the 20th of each month in order to be active on the 1st of the upcoming month. This yellow countdown message is a reminder of how many days there are until the 20th.
  • I'm signing up and it won't let me change the effective date to the month I want?
    There is a cutoff date on the 20th of each month in order to be active on the 1st of the upcoming month. However sometimes we can accommodate some member requests to change effective dates. Please contact us about any requests: Contact Us >
  • What info will I receive when I've signed up for a plan?
    Once you’ve completed the enrollment process, you will receive a confirmation email from Morgan White Administrators. They are our administrative partner that issues the policies and handles billing. In your confirmation email you will have access to your ID cards, policy details, and customer service contact info.
  • When can I start using my plan?
    Once you’ve signed up and have reached your plan’s effective date, you can start using your benefits. Just locate a provider in your area to schedule your first visit.

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