Individual Dental Insurance
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Dental insurance provides a greater level of coverage for preventive care, but can also help with major care like root canals, up to the policy’s annual maximum benefit.
The Independence Dental product family includes two plan designs, indemnity and PPO, and three plan levels for each to provide a range of cost-sharing options to fit almost any budget.
Independence Dental has two plan designs with a range of cost-sharing options to choose from.
Indemnity
Copays range from $0 to $20
Calendar-year Deductible: $50
Max. Benefit: $1,000 to $1,500
Coinsurance Rates
Preventive Care: 100%
Diagnostics: 80-100%
Basic Care: 50-80%
Major Care: 50%
PPO
Copays range from $0 to $20
Calendar-year Deductible: $50
Max. Benefit: $1,000 to $1,500
Coinsurance Rates
Preventive Care: 80-100%
Diagnostics: 80-100%
Basic Care: 50-80%
Major Care: 50%
Independence Series Plan Features
Waiting periods
- No waiting period for preventive care for all plan levels.
- No waiting period for diagnostics on some plan levels.
Guaranteed-Issue
- Though services related to some pre-existing conditions like missing teeth and congenital or developmental malformations may be excluded from the policy’s benefits, applicants will not be denied a policy due to these conditions.
No Network Restrictions
- Use the Independence Dental indemnity plan with any service provider
- Independence Dental PPO can provide additional discounts for using in-network providers, but will still provide coverage up to the maximum allowable charge for out-of-network charges
Available for ages 18-99
- The primary applicant must be age 18 to 99 years old.
- Dependent children under the age of 26 may be included on the plan.
- Child-only plans are not available
Benefits
- Range from $1,000 to $1,500 per covered person, per calendar year
- Flexibility to choose from PPO or Indemnity options
Sample Policy Limitations + Exclusions
- 6-month waiting period for basic care and 12-month waiting period for major care, varies by state
- Expenses must be medically necessary and incurred while the plan is in force
- There is an extended list of dental services and charges that are excluded from coverage, including things like cosmetic surgery, implants, prosthodontics, and orthodontia
- Not all Independence Dental plans or combination of benefits are available in all states
Who May Want a Dental Policy?
- People enrolled in an ACA major medical policy that doesn’t include embedded dental benefits.
- Those without access to an employer’s benefits: the unemployed, entrepreneurs or independent contractors
- Retirees and those on Medicare (the federal Medicare program does not currently cover routine dental care).[1]
- People that are utilizing a combination of limited-benefit and/or supplemental insurance options to provide their health coverage instead of an ACA-qualifying major medical plan
Product Disclaimer
This page provides a very brief description of the important features of Independence Dental. Therefore, it is important that you READ THE CERTIFICATE OR POLICY CAREFULLY. For complete details, refer to the Individual Dental Policy, Policy form number (IAIC IDEN POL 0414 – varies by state).