Preventive Care
Depending on the plan, preventive benefits may include routine exams, cleanings and certain X-rays. Frequency limits and network rules can apply.
DENTAL INSURANCE
Dental Insurance Help in Tulsa, Oklahoma
Great Nation Insurance can help individuals and families compare the dental insurance options we offer. We help explain preventive, basic and major dental benefits, deductibles, annual maximums, waiting periods and provider-network considerations so you can better understand how a plan works before enrolling.
What Can Dental Insurance Cover?
Dental plans vary by insurance company and plan. Benefits are commonly grouped into categories such as preventive, basic and major services, with different cost-sharing rules for each category.
Basic Services
Plans may provide benefits for eligible services such as fillings, simple extractions or other basic procedures, subject to the plan's cost sharing and limitations.
Major Services
Some plans include benefits for services such as crowns, bridges, dentures or other major procedures. Waiting periods, coinsurance and annual maximums may apply.
Additional Benefits
Depending on the plan, benefits may be available for services such as root canals, periodontal treatment, implants or orthodontia. These benefits are not included in every plan.
Understanding Dental Insurance Costs
Premium
The amount paid to keep the dental insurance policy in force.
Deductible
The amount you may need to pay for covered services before certain plan benefits begin, depending on the policy.
Coinsurance or Copayments
Your share of the cost for covered dental services after applicable plan requirements are met.
Annual Maximum
Many dental plans limit how much the plan will pay toward covered dental services during a benefit year. The amount and services counted toward it vary by plan.
What Is a Dental Waiting Period?
Some dental plans require you to be enrolled for a specified period before benefits are available for certain basic or major services. Preventive care may have different rules. Waiting periods vary by insurer and plan, and some products may waive certain waiting periods under qualifying circumstances.
If you expect dental work soon, reviewing the effective date, waiting periods and benefit limitations is especially important before selecting a plan.
Dental Provider Networks
Some dental plans use provider networks. Using an in-network dentist may provide negotiated rates or different cost sharing than using an out-of-network provider. Other dental products may provide more flexibility in choosing a dentist.
If keeping your current dentist is important, verify that dentist's participation directly with the plan and provider before enrolling or receiving services, because network participation can change.
Dental Insurance and Medicare
Original Medicare generally does not cover most routine dental care. Some Medicare Advantage plans may include dental benefits, but benefits, provider networks, maximums and covered services vary by plan.
A separate individual dental policy may be an option for people who want dental coverage beyond what they currently have. Great Nation Insurance can help explain the dental products we offer separately from your medical or Medicare coverage.
Questions to Ask Before Choosing a Dental Plan
Is My Dentist In Network?
Check the plan's current provider directory and confirm participation with the dental office.
Are There Waiting Periods?
Review when preventive, basic and major benefits become available.
What Is the Annual Maximum?
Understand the maximum amount the plan may pay for covered services during the applicable benefit period.
What Services Are Limited?
Review exclusions, frequency limits, missing-tooth provisions and other policy-specific restrictions.
Common Dental Insurance Questions
Does dental insurance cover cleanings and exams?
Many dental plans include preventive benefits for eligible cleanings and exams, but frequency limits, network requirements and cost sharing vary by plan.
Does dental insurance cover crowns or dentures?
Some plans provide benefits for major dental services such as crowns or dentures. Waiting periods, coinsurance, annual maximums and other limitations can apply.
Does dental insurance cover implants?
Some plans may include implant benefits, while others exclude or limit them. Review the specific policy before relying on implant coverage.
Can I buy dental insurance separately from health insurance?
Individual dental insurance may be available as separate coverage. Eligibility, benefits and availability depend on the insurance company and product.
Can Great Nation Insurance help compare dental plans?
Yes. We can help explain and compare the dental insurance options we offer, including benefits, networks, waiting periods, deductibles and annual maximums.
Request Dental Insurance Information
Tell us how to reach you and Great Nation Insurance can contact you to discuss the dental insurance options we offer.
OR CALL (918) 895-2000
Dental insurance benefits, networks, waiting periods, deductibles, coinsurance, annual maximums, exclusions, eligibility and availability vary by insurance company and plan. This page provides general educational information and does not modify or replace any insurance contract. Review the applicable policy and carrier materials for complete terms, exclusions and limitations.