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Tips for Finding the Right Dental Insurance in Wilmington NC

As your family grows, your insurance needs are going to change. Dental insurance will take on a higher importance, especially as your children start visiting orthodontists and/or reach the point where their wisdom teeth need removed. But, it's not easy choosing the right dental insurance in Wilmington NC, especially with all of the recent insurance provider changes.

At Schnitzer-Slate, we can help you find the right amount of coverage for your family's needs and budget. Here are some additional things consumers need to know when shopping for the right dental insurance plan.

Understanding Dental Insurance "Class of Services"

Dental insurance plans typically include a "class of service." Four tiered classes of service are used to identify just how comprehensive the plan's coverage is. Here is what each class covers:

  • Class I: Class I dental plans cover diagnostic and preventative care, such as cleanings, x-rays, and exams. When an in-network provider is used, this plan will cover the expense of these services 100%.
  • Class II: Class II plans cover basic restorative care, such as fillings. Root canals and other periodontal work are also covered, but they are usually reimbursed at a lower rate, typically 80%.
  • Class III: Class III plans usually cover 50% of major restorative care costs. This includes crowns, bridges, and dentures.
  • Class IV: Class IV dental plans covers braces and other types of orthodontia. This type of policy usually has a lifetime maximum that applies to an entire course of treatment and some restrict orthodontia services to children under 19 years of age.
Understanding Coverage Limits

Dental plans typically have a pre-set dollar limit on the amount of dollars they will spend annually on an individual's treatments and care. In the case of orthodontics, there is usually a lifetime dollar limit that is separate from conventional treatment costs. Other coverage limitations can include the number of exams, cleanings, and x-rays over a given year, time limits on the replacement on certain items such as crowns, bridges, dentures, and implants, and more.

Dental insurance is similar to health insurance in that not every service recommended by your dentist may be covered. For instance, many types of cosmetic dental work are usually not covered by dental insurance because they are not medically necessary.

Questions to Ask Your Insurance Provider

In order to help you choose the right dental insurance, you should ask your insurance provider and/or your existing dentist the following questions before settling on any given plan:

  • Is your current dentist an in-network provider under the plan?
  • How much does the plan cover and how much will you be responsible for?
  • Are pre-authorizations needed for certain services and if so, which ones?
  • Can you receive a list of all services covered under each class of service plan?
  • What is your co-insurance for each class of service?
Schnitzer-Slate Offers Affordable Dental Insurance in Wilmington NC

If you are shopping for dental insurance, keep Schnitzer-Slate in mind. We offer affordable, comprehensive dental coverage with our DentalBlue plans for individuals and families under 65 years of age. Our plans offer lower premiums, easy payment options, and more. Just call us today at 910-392-7020 and one of our agents will help you choose the right plan for your lifestyle and budget. Or, just visit our website to learn more about our affordable dental insurance in Wilmington NC.

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ABOUT


Schnitzer-Slate Insurance Agency is an exclusive True Blue authorized agency of Blue Cross and Blue Shield of North Carolina.

CONTACT


5725 Oleander Drive, Suite G3
Wilmington, NC 28403 


Call: (910) 392-7020
Hours of Operation:
Mon-Thurs: 8:00 am - 4:30 pm
Friday: 8:00 am - 12:00 pm


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