Care Plus Dental Insurance: Choosing the Right Plan for You

Choosing the right dental insurance plan can be overwhelming, but Care Plus has made it easier by offering a range of options to suit different budgets and needs.

Care Plus dental insurance plans are designed to provide comprehensive coverage for routine cleanings, fillings, and other essential dental care services.

One of the most significant benefits of Care Plus is that it offers a high level of coverage for preventive care, including two cleanings per year and a comprehensive exam.

You can choose from a variety of plans, including the Care Plus Premier Plan, which covers 100% of preventive care services, or the Care Plus Essential Plan, which covers 80% of preventive care services.

Choosing the right dental insurance plan can be a daunting task, but it's essential to make an informed decision that suits your needs. CarePlus offers three individual insurance plan options: Dental Associates Diamond, Platinum, and Preferred.

Each plan has its unique features, such as the insurance premium, which varies depending on the plan and family size. For example, the Diamond plan costs $63/year for an individual, $105/year for an individual plus one, and $138/year for a family.

The Platinum plan is the most comprehensive, offering 100% diagnostic coverage, 100% preventative coverage, and 60% restorative coverage. In contrast, the Diamond plan offers 20% coverage for most procedures. The Preferred plan falls in between, offering 100% diagnostic and preventative coverage, and 90% restorative coverage.

It's also essential to consider the annual max and deductible. The Platinum plan has a $1,500 annual max, while the Preferred plan has a $2,000 annual max. The Diamond plan does not have an annual max. All three plans have no deductible.

If you're looking for a plan that offers robust coverage for specialty care, the Preferred plan is a good option. It covers 60% of prosthodontic procedures, 60% of oral surgery procedures, and 50% of orthodontic procedures with a lifetime maximum of $2,500.

Here's a comparison of the three plans:

Ultimately, the choice between these plans depends on your personal needs and budget. CarePlus partners with Dental Associates, which has 15 clinics throughout Wisconsin, offering a wide range of dental specialties.

With Care Plus Dental Insurance, you can enjoy a range of benefits that make taking care of your teeth easier and more affordable.

You'll have no deductible for preventative and diagnostic services after a $10 office visit copay.

Most preventative and diagnostic services are covered with no copay after a $10 office visit copay.

Some plans even offer unlimited cleanings and fluoride treatments with a low copay, or no copay at all.

Orthodontia coverage is available for both children and adults, providing peace of mind and financial protection.

Here are some of the key benefits of Care Plus Dental Insurance:

With Care Plus dental insurance, you can expect to pay a low copay for many services.

Diagnostic and preventive services, such as exams, X-rays, cleanings, fluoride applications, and sealants, are all covered with a $0 copay.

Fillings, including one surface resin composite fillings for anterior and posterior teeth, have copays of $15 and $35, respectively.

Crowns, root canals, and dentures have copays of $255, $190, and $430, respectively.

Some services, like scaling and root planing, extraction, and removal of impacted tooth, have copays of $40, $15, and $140, respectively.

Here's a breakdown of some of the copays for these services:

Unlimited cleanings and fluoride treatments are also available with a low copay, or in some cases, no copay at all.

CarePlus partners with two dental providers to offer you a range of insurance options.

CarePlus has a partnership with Dental Associates, which offers three individual insurance plan options: Dental Associates Diamond, Dental Associates Platinum, and Dental Associates Preferred. These plans cater to patients with no dental insurance or those with fee-for-service plans, providing comprehensive coverage and robust benefits.

You can reach out to Delta Dental, the third-party administrator, for assistance with in-network providers, EOBs, ID cards, and more. Their phone number is 1-800-236-3712, and you can visit their website at www.deltadentalwi.com.

Delta Dental offers an online member portal that allows you to review your benefits, print or email an ID card, find a provider, and message with a customer experience specialist.

If this caught your attention, see: Dental Insurance Coordination of Benefits

Delta Dental is a self-insured option that partners with CarePlus to offer dental insurance plans.

You can contact Delta Dental at 1-800-236-3712 or visit their website at www.deltadentalwi.com for assistance with questions or concerns.

Delta Dental has an online member portal where you can review your benefits, print or email an ID card, find a provider, and message with a customer experience specialist.

To access the Delta Dental online portal, simply visit www.deltadentalwi.com and register for an account.

Delta Dental's third-party administrator can assist you with questions regarding in-network providers, explanation of benefits, and ID cards.

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When comparing Anthem's Enhanced Care Plus Option D Plan to the competition, a key difference stands out: Anthem's plan has no deductible for preventive and diagnostic services after a $10 office visit copay.

Many competitive plans, on the other hand, require a higher office visit copay, ranging from $5 to $35, and often an additional copay for each service.

Anthem's plan offers unlimited cleanings and fluoride treatments with a low copay (or no copay at all), whereas competitive plans limit these services and charge a copay after just 2 treatments.

Orthodontia coverage is another area where Anthem's plan excels, covering both children and adults, while competitive plans only cover children when medically necessary.

Here's a quick comparison of the two plans: