Dental Insurance Charlotte Options and Benefits Explained

Dental insurance in Charlotte can be a bit overwhelming, but don't worry, I've got you covered. There are various options available, including individual and group plans.

Many dental insurance plans in Charlotte offer a range of benefits, such as preventive care like cleanings and exams, and restorative care like fillings and crowns.

Some plans also cover major procedures like root canals and dental implants, with varying levels of coverage and out-of-pocket costs.

In Charlotte, you can expect to pay around $20-$50 per month for individual dental insurance, depending on the provider and level of coverage.

There are several types of dental insurance available in Charlotte, NC.

UNC Charlotte offers dental coverage through the State's program NCFlex, which includes three dental plans: High Option, Classic Option, and Low Option. These plans differ in how much you pay per period and at the time of service.

You can save money by visiting an in-network provider with NCFlex Dental Plans.

Employees who work 30+ hours per week are eligible for this plan, while those working 20-29 hours per week are also eligible, but with slightly different benefits.

You can choose between three dental plans with NCFlex, covering routine checkups and other dental care, with different costs depending on the plan level and if you cover a spouse or dependent.

Delta Dental insurance, on the other hand, offers extensive coverage for various dental services, including preventive care, restorative treatments, and orthodontics.

Delta Dental covers minor restorative services like dental fillings at 70-80% and major restorative services like dental crowns at 50-70%.

If you're looking for a dental insurance plan, it's essential to check if your plan is accepted by your dentist.

Here are the dental insurance plans mentioned in this article:

Delta Dental Insurance offers extensive coverage for a wide range of dental services, including preventive care, restorative treatments, and orthodontics.

You can enjoy 70-80% coverage for minor restorative services like dental fillings, making it easier to afford necessary dental repairs. This ensures you can maintain a healthy and functional smile.

Major restorative services like dental crowns, tooth extraction, and dental implants are covered at 50-70%, allowing you to confidently restore your smile and regain full dental function.

If you're a UNC Charlotte employee, you're in luck because the university offers dental coverage through the State's program NCFlex, administered by MetLife Dental.

You can choose between three dental plans: High Option, Classic Option, and Low Option, which differ in how much you pay per period and at the time of service.

The cost to you depends on the plan level you choose and if you cover a spouse or dependent. You can view the current rate information on the NCFlex website.

Permanent, full-time employees who work 30+ hours per week are eligible for this plan, while permanent, part-time employees working 20-29 hours per week are also eligible.

If you're a newly eligible employee, or experience a qualifying life event, you must enroll 30 days from your eligibility date. If you're making elections during open enrollment, you must complete them within the designated enrollment period.

Here are the effective dates of coverage based on the type of eligibility event:

Cards with a unique ID will be issued to new employees who enroll, and can be re-issued if you transfer to a new job or make changes to your plan. If you don't receive a card, you can contact MetLife at 1-855-676-9441.

Deductions for this plan occur semi-monthly, and dental plan enrollment and changes are made through the designated online benefits system.

Delta Dental Insurance Coverage offers extensive coverage for a wide range of dental services. Whether you require preventive care, restorative treatments, orthodontics, or more, Delta Dental has you covered.

You can enjoy 70-80% coverage for minor restorative services such as dental fillings, ensuring you can afford necessary dental repairs and maintain a healthy and functional smile.

Major restorative services like dental crowns, tooth extraction, and dental implants are covered at 50-70%, enabling you to confidently restore your smile and regain full dental function.

Our dedicated insurance coordinators are available to help determine your eligibility and provide information on the specific coverage options available to you.

To verify your insurance plan, please check our insurance information section to see if your plan is accepted. We accept most insurance plans, but Medicaid is not one of them. Our practices do not support managed care.

Before scheduling an appointment, always check with your insurance carrier to determine your policy's benefits. This will also help you understand any pre-visit requirements.

If you're uncertain about your insurance being accepted, please don't hesitate to call any of our practices. We're here to help you.