Personal Insurance

Individual Dental Insurance

Your Best Option for Dental Insurance

Dental insurance helps protect you from unexpected dental expenses and makes it easier to afford the regular checkups, cleanings and other preventive treatments you need to keep your mouth healthy.

Dental InsuranceCoverage availability and prices may vary by company. We can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

photo-homeowners-smLike medical insurance, dental insurance provides benefits for a specific rate or premium. Different plan designs offer various levels of coverage and different choices in which dentists you can visit.

The major differences between dental insurance plans:

  • The choice of dentists
  • Your out-of-pocket costs
  • How dental treatments are paid

Most types of insurance, like a dental Preferred Provider Organization, DPO, Dental Health Maintenance Organization, DHMO or prepaid plan, rely on a network of dentists. These participating dentists agree to perform services for patients at pre-determined rates and usually will submit claims for you. You’ll usually pay less when you visit a network dentist. Most (but not all) traditional indemnity or fee-for-service insurance products do not provide a network feature, so you may have to pay for services up front, file your own claims, and wait for the insurance carrier to reimburse you. However, there are advantages such as having the freedom to visit the dentist of your choice.

How To Shop For Dental Plans

icon-dental-insuranceGetting quality, affordable dental care can be difficult. It’s important to decide what matters most to you in making the best decision for you and your family. Start by collecting old statements from your dentist or insurance company to get an idea of how much you spend on dental care each year.

Think about additional expenses that might come up this next year.

  • Do you have a child who needs braces?
  • Ask your dentist for cost estimates.
  • Use this information as you you compare dental plan options.

If you are interested in a quote, contact us and we will email or fax the appropriate applications to you for completion. In many instances we can take down the information needed over the telephone and provide you with a quote the same day.

We’re genuinely interested in providing solutions to all of your insurance needs.

The following agents are trained in this specialized area of coverage:

Jay Semaan:
jsemaan@hmbd.com
Travis England:
tengland@hmbd.com
Dan Roddy:
danrod@hmbd.com