Voluntary Dental Plans

The cost of dental care is rising as are others costs associated with the health care industry. Indeed, more families are showing interest in voluntary dental plans as they recognize the financial impact of routine trips to the dentist. However, when choosing the best plan for one's dental needs, it is important to evaluate and compare benefits.

The first consideration is the yearly maximum listed in the plan. Compare the yearly maximum benefit with the amount of premium to determine if voluntary dental plans are an option. Another consideration is whether or not the insured will be required to go to a dentist who is in the network of the provider. For many, this is an issue when they have a preferred dentist who is not a participant in the insurance plan. While some voluntary dental plans allow an out-of-network dentist, the coverage is usually much lower than using an in-network participant.

Find Voluntary Dental Plans That Are Affordable
In addition, it's important to determine if the insured will be responsible for the difference in the charges submitted and the amount paid by the insurance provider, or if the policy states that a participating provider must accept payment based on the "Usual, Customary, and Reasonable" (UCR) fee guide. Read the restrictions in the voluntary dental plans carefully to understand the out-of-pocket expenses that will be added to the monthly premiums.

At The Boon Group, we have alliances with national carriers to provide the option of adding dental coverage to a voluntary plan. Employees are responsible for the premium and any applicable coinsurance. Annual maximums apply. Contact us for more information or assistance in applying for dental benefits.