Dental One Insurance Plans for Individuals and Families

Dental One offers a range of insurance plans designed for individuals and families. These plans provide affordable dental coverage for routine cleanings, fillings, and other essential dental care.

With Dental One, individuals can choose from a variety of plan options to suit their needs, including plans with low monthly premiums and plans with higher coverage limits.

Dental One's family plans are also designed to be flexible, allowing you to add or remove family members as needed.

Some plans even offer additional benefits, such as discounts on orthodontic treatment and coverage for dental emergencies.

The cost of dental insurance can be a bit confusing, but let's break it down.

Most dental plans don't charge copayments or out-of-pocket fees for routine dental cleanings, which is great news for those who prioritize their oral health.

The average deductible for a single enrollee is $50 among Texas dental plans, but 20.5 percent of plans don't have a deductible at all.

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Some plans charge a deductible per enrollee for family plans, while others cap the maximum deductible, so it's essential to review your plan's specifics.

HMO plans often charge fixed dollar copayments for covered dental treatments, whereas PPO plans use coinsurance fees, which determine a patient's out-of-pocket costs as a percentage of the service price.

Here's a quick rundown of the different types of costs you might encounter:

The cost of dental care can vary significantly depending on the region, with local differences in dental service usage across the state.

In Texas, you can find dental plans with premiums under $10 a month, with the lowest monthly premium being $7.03 for the MetLife TakeAlong Dental HMO-Managed Care 350 (Low).

Most dental insurance providers cover dental procedures in three categories: preventive, restorative, and major. Preventive options are typically covered completely, while restorative and major procedures may have limited coverage or no coverage at all.

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A review of 38 dental plans in Texas found that two-thirds of the plans covered routine dental cleanings without charging any copayment or other out-of-pocket fee.

Here's a breakdown of some common dental procedures and their coverage:

Dental HMO plans can reduce your out-of-pocket costs, but they often have a small network of dentists. Dental indemnity plans, on the other hand, allow you to go to any dentist, but may cost more.

In Texas, deductibles for dental plans varied, but mostly fell within a narrow range. The smallest deductible observed was $0, with one-in-five plans charging no deductible to enrollees. The highest annual deductible for an individual was $100, while a single plan had a one-time individual deductible of $150. The average deductible for a single enrollee was $50 a year.

Family deductibles were generally higher and often depended on the number of family members enrolled in the plan. For example, the Primary plan had a $50 deductible for a family, while the Primary Plus plan had a $1,000 calendar year max benefit with a $50 deductible.

Two-thirds of the 39 dental plans examined in Texas had waiting periods for one or more covered dental services. The waiting period length varied by plan and by specific services, with the shortest waiting period being three months and the longest being eighteen months.

Most dental insurance providers cover dental procedures in three categories: preventive, restorative, and major. Preventive options are typically covered completely, while restorative and major procedures may have limited coverage or no coverage at all. We recommend verifying which treatments are covered with your insurance prior to any appointments.

Here is a summary of the average premiums and plans priced under $10 a month:

Keep in mind that these prices are subject to change and may vary depending on individual circumstances. Always verify the details with your insurance provider before making a decision.

To implement your dental plan, start by selecting one of the recommended options, Premier Plus Dental or Gen Deluxe Dental.

The Premier Plus Dental plan is a top choice, offering comprehensive coverage.

You'll need to review the benefits, exclusions, and limitations for your specific state, as they may vary.

For example, if you live in a state with unique requirements, you may find that some benefits have waiting periods.

Reviewing these details is essential to understand what's covered and what's not.

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To get a dental insurance quote, you must be an adult. People of any age can use our free dental insurance quoting service, but you'll need to apply for a plan's coverage as an adult.

In most cases, at least one adult needs to be insured alongside children on a dental plan. This is because "child only" coverage is not the norm, and typically an insurer requires an adult to be insured as well.

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Plan options for dental insurance vary in Texas, with an average premium of $40.83 for a 33-year-old in 2022. Some plans, like the MetLife TakeAlong Dental HMO-Managed Care 350 (Low), offer premiums as low as $7.03 per month.

Ten insurance companies offer dental plans in Texas, including Ameritas, Careington, and Delta Dental. These companies provide a range of options to suit different needs and budgets.

If you're looking for a plan with a low premium, consider the MetLife TakeAlong Dental HMO-Managed Care 350 (Low), which has a monthly premium of $7.03. Alternatively, the Premier Choice plan pays 10% after deductible for major services day one, with a $1,500 calendar year max benefit and $50 deductible.

The companies providing dental plans in Texas are numerous, but some of the most notable ones include Ameritas, Careington, Delta Dental, Guardian Dental, Humana Dental, MetLife Dental, NCD by MetLife, and Renaissance Dental. These companies offer a range of plans to suit different needs and budgets.

Ameritas and Careington are two of the companies that offer dental plans with premiums under $10 a month. Ameritas is a well-established company with a long history of providing dental insurance, while Careington is known for its affordable dental discount programs.

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Delta Dental is another major player in the Texas dental insurance market, offering a range of plans with varying levels of coverage. Guardian Dental and Humana Dental are also notable companies that provide comprehensive dental insurance plans.

MetLife Dental and NCD by MetLife are subsidiaries of MetLife, a well-known insurance company that offers a range of dental plans. Renaissance Dental is a company that specializes in providing dental insurance plans with orthodontic coverage.

These companies have a range of plans to choose from, so it's essential to do your research and find the one that best suits your needs.

If you're planning a trip out of state, you might be wondering if you can use your Texas dental plan. You can, but only if you contact your insurance plan first to verify that the out-of-state dentist is in-network.

You'll also need to check if there are any conditions that prohibit using a dentist outside your state of residence. It's better to double-check before your trip to avoid any surprises.

If you're traveling outside the US, it's unlikely that your plan will cover international care.

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Essential Dental plans cover basic services like fillings and simple extractions on Day 1. If you need a crown, root canal, or bridge, you'll have to wait six months for Essential Preferred Dental to kick in with 15% coverage after deductible.

Premier Choice Dental offers 10% coverage after deductible for major services day one. This plan also has a higher $1500 calendar year maximum coverage compared to Essential Preferred's $1000.

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Clinical Policy Bulletins are developed to assist in administering plan benefits, but they don't constitute dental advice. Treating providers are solely responsible for dental advice and treatment of members.

You should discuss any Dental Clinical Policy Bulletin related to your coverage or condition with your treating provider. This will help ensure you understand your specific plan and any limitations that may apply.

Dental Clinical Policy Bulletins describe Aetna's current determinations of whether certain services or supplies are medically necessary. They are based on a review of available clinical information, but do not constitute a description of plan benefits.

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Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to a particular service or supply.

Some plans may exclude coverage for services or supplies that Aetna considers medically necessary. This means that even if a service is deemed necessary, it may not be covered under your plan.

Dental Clinical Policy Bulletins can be highly technical and are designed to be used by Aetna's professional staff in making clinical determinations in connection with coverage decisions. It's a good idea to review these Bulletins with your provider so you can fully understand Aetna's policies.

Under certain plans, Aetna may decide to authorize coverage only for a less costly covered service if certain terms are met. This means that even if there are multiple services that can be used to treat a dental condition, Aetna may choose a less expensive option.

Here are some key points to keep in mind when it comes to Clinical Policy Bulletins:

Teeth whitening is a form of cosmetic dentistry, and most plans don't cover cosmetic dental services.

In fact, only 20.5 percent of 39 Texas plans reviewed had some form of coverage for teeth whitening.

Many industry experts believe that teeth whitening coverage will become more common in the future.

This is a trend that's already being seen, and it's worth keeping an eye on if you're considering getting your teeth whitened.

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If you're due for some serious dental work, you've got options. Essential Preferred Dental offers 15% coverage after deductible on major services after a 6-month waiting period.

For crowns, root canals, and bridges, the Essential Preferred Dental plan can be a good choice if you don't need immediate help. You'll have to wait six months, but you'll get a better deal in the long run.

Premier Choice Dental is a good option if you can't wait for major services. It offers 10% coverage after deductible for crowns, root canals, and bridges from day one, and it has a higher $1500 calendar year maximum coverage compared to Essential Preferred's $1000.

If you can wait, the Essential Preferred Dental plan is a good choice for major services. It may take six months, but you'll get 15% coverage after deductible.

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Orthodontics can be a significant investment, but some plans offer coverage to help make it more affordable.

Premier Plus Dental has a higher calendar year maximum, which means you have more room to cover orthodontic expenses.

This plan provides 50% coverage after a 12-month waiting period for braces, with a lifetime maximum of $1000 in benefits.

Gen Deluxe Dental plans also cover implants, but only for individuals 64 and over.

Preventive care is also covered under Premier and Gen plans, so you can take care of your oral health in every way.

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