Virginia dental insurance has become more important to have as dental care has become more expensive in recent years. This is due to advances in dental technology and the vast array of cosmetic dentistry services.  Have you noticed how modern and plush most dental offices seem to be these days?  From cleanings to braces, everyone wants that perfect smile.

What types of services are available with Virginia dental plans?

Preventive - Considered Level 1 of dental service with diagnostic oral exams usually twice yearly.  This generally includes cleaning and x-rays and fluoride treatments for children.  Many times preventative services are covered at 100% without a waiting period.

 Restorative  - Considered Level II of dental service, including services such as fillings, extractions and emergency care are generally covered after a waiting period.  These services may be covered at a lower benefit percentage and may have a deductible to be satisfied.

 Major care - Considered Level III of dental service, which could include such services as oral surgery, crowns, root canals, dentures, periodontal and orthodontics.  These services vary from company to company and generally have the longest waiting period before benefits begin.

Do I have to use participating providers?

We offer both network (PPO) and non-network dental plans in Virginia.  While most plans allow you the freedom to visit the dentist of your choice, some policies provide greater benefits or waive the deductible if you use a participating provider.

Is there a maximum benefit?

Yes, Virginia dental insurance companies know that everyone intends to use their Virginia dental plans at least for preventative care.  Most Virginia dental plans provide a maximum annual benefit of $1000 - $1500 per person per year.

Can Virginia dental insurance be purchased on a personal plan or group plan?

Yes, we offer personal dental plans in Virginia to individuals and families as well as group plans to employers.  Group plans are usually more competitively priced while personal dental plans in Virginia offer portability.

Does Virginia dental insurance cover cosmetic procedures?

Most policies do not cover cosmetic care.  Be sure to review your coverage to confirm the exclusions.

What dental insurance companies are available in Virginia?

In Virginia, we offer dental plans through Anthem Blue Cross Blue Shield, World Insurance Company and many others.

Can I insure a child only?

Yes, dental insurance in Virginia can be purchased for just one child or several children. 

Summary

Dental insurance in Virginia should not generally be purchased in lieu of a solid comprehensive major medical plan.  After all, you can incur much greater expenses with illnesses and injuries than most people incur with dental work.  Virginia Dental insurance can sometimes be added to your health insurance policy as an option or rider.  If you are facing surgical removal of wisdom teeth, some major medical policies cover if as a medical expense rather than dental services.  Be sure to review your policy contract or consult an insurance advisor.

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