Dental insurance helps individuals and families manage the cost of oral care. Without coverage, dental expenses can be costly, making insurance an essential tool for maintaining both oral health and financial stability.
Types of Dental Services
Preventive Services – Focus on maintaining oral health and preventing future issues. Typically covered at 100%, these include routine cleanings, exams, X-rays, and fluoride treatments.
Basic Services – Address minor dental problems like cavities and gum disease. Coverage for these treatments varies, but usually includes fillings, simple extractions, and some periodontal care.
Major Services – Involve more extensive treatments and are typically covered at a lower percentage. These include root canals, crowns, dentures, and bridges, which restore functionality and protect long-term oral health.
A well-chosen dental plan balances coverage, copays, and maximum benefits to ensure access to necessary treatments without financial strain. Let me know if you’d like any refinements
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Blue Cross of Idaho Dental Plans: Trusted Coverage, Extensive Network: Blue Cross of Idaho offers reliable dental plans with a 6-month waiting period for Basic Services and a 1-year waiting period for Major Services, except on the Copay Plan. With most dentists participating in-network, you’ll enjoy quality care from a reputable provider you can trust. Coverage Starts the first of the following month.
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Ameritas Dental & Vision Plans: Instant Coverage, Big Savings: Ameritas offers no waiting periods, providing day-one coverage for Basic and Major Services, though benefits are reduced in the first year. Ideal for those seeking deep discounts on dental and vision care, Ameritas balances affordability with quality. The Ameritas network is smaller due to higher provider discounts so make sure your Dentist is in netowrk. Coverage can start as soon as the next day. Ameritas is the only individual dental carrier that has child orthodontics coverage on some of their plans.
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Delta Dental: Idaho’s Leading Dental Carrier: Delta Dental is a household name and the largest dental provider in Idaho, with nearly all dentists participating in-network. Their plans include a 6-month waiting period for Basic Services and 1-year for Major Services, though this can be waived if you’ve had prior coverage in the last 60 days. Enroll by the 15th of the month, and your coverage begins on the 1st of the following month, ensuring quick access to quality dental care.
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VSP: America’s Leading Vision Insurance Provider: As the largest vision carrier in the U.S. with over 90% market share, VSP delivers trusted coverage with no waiting periods—your benefits start the month you enroll. Members can save hundreds of dollars annually, from doctor’s office discounts to exclusive savings on glasses and contacts.
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