New Hampshire Dental Insurance Plans for Groups and Individuals
Whether provided as part of an employee benefits package, or purchased as a family or individual plan, New Hampshire dental insurance coverage plays a crucial role in promoting oral and overall health. Routine dental appointments can help prevent costly oral health problems like periodontal disease, but unfortunately, some people limit their trips to the dentist’s office because of a lack of coverage.
As part of a comprehensive benefits plan, New Hampshire dental insurance will help your employees get the oral healthcare they need without having to be concerned about being burdened with dental bills. Considering that there’s a strong connection between oral health and overall medical health, dental insurance can represent a valuable component of your company’s wellness program, helping to prevent lost time and productivity resulting from oral and overall healthcare problems. If your employer does not provide dental insurance, you may consider investing in an individual plan or coverage for your family to help you control costs at the dentist’s office.
Regardless of whether you’re considering investing in dental insurance for your employees or for yourself and/or your family members, it’s important to understand what it covers. Although plans vary from one insurance company to another, you can typically expect New Hampshire dental insurance to provide the following types of coverage:
- Preventive Care – Dental insurance typically provides full coverage for preventive and diagnostic services such as cleanings, oral exams, fluoride treatments for children, and x-rays.
- Basic Services – After meeting a low deductible, dental plans normally pay at 80 percent for basic services, including extractions, fillings, restoration, gum disease (periodontics), and root canal therapy (endodontics). Unlike coverage for preventive care, which typically begins on day one of the policy, most dental plans have a six-month waiting period before covering basic services.
- Major Services – Most dental insurance plans pay at 50 percent for major services after a low deductible has been met. Major services may include bridges, crowns, inlays, onlays and full or partial dentures, and most dental plans have a six or 12-month waiting period before these services are covered.
- Orthodontics (optional) – If you’re looking for insurance for orthodontic work, you can opt for a dental plan that includes child-only or adult and child orthodontics coverage. Most plans pay for orthodontics at 50 percent and have a 24-month waiting period before covering these services.
When it comes to securing New Hampshire dental insurance for yourself or your employees, there are various options to consider, and working with an independent insurance agent can help you find the right coverage for your needs.
At Knapton, Reade & Woods in Hillsboro, NH, our experienced agents will take the time to assess your situation and provide you with affordable dental insurance coverage options that suit your needs. We are pleased to serve groups and individuals in Hillsboro and the surrounding communities, providing dental insurance in Weare, Hopkinton, Henniker, Deering, Bennington, Washington, Windsor, Antrim, and all of New Hampshire. To get a free New Hampshire dental insurance quote, please call us today at 603-464-322 or submit our online quote request form.