There are four levels of dental insurance coverage.
Level 1: Preventive Dental Program (Preventive)
The following items are preventive dental programs:
- Oral Exams
- Routine Cleanings/Prophylaxis
- Periodontal Maintenance/Deep Cleanings
- Fluoride Treatment/Topical Fluoride/Fluoride Varnish
- Dental X-rays (Full-Mouth X-Rays)
Preventive dental projects are mostly light treatment and are also the project category with the highest compensation ratio. Most dental insurance can reimburse more than 80% or even 100%. Some items have a limit on the number of claims and will be classified as other levels according to the doctor’s diagnosis.
Level 2: Basic Dental Program (Basic)
The following items belong to the basic dental program:
- Dental Restoration/Restorative Fillings
- Fillings after Cavity
- Tooth Extraction
- Wisdom tooth extraction
- Root Canal Therapy (Endodontics)
Basic dental programs are mostly dental care treatment, and most dental insurance can reimburse 70%-80%.
Level 3: Nursing Dental Program (Major)
The following items belong to the Nursing Dental Program:
- Complex Oral Surgery
- Porcelain teeth (Crown)
Nursing dental projects are mostly large-scale dental operations and dental care projects, and the reimbursement ratio is low, mostly below 50%, and the claims are relatively high. Before treatment, you need to check with your doctor whether your dental insurance will cover your items.
- Level 4: Corrective Dentistry Program (Major)
The following items are orthodontic dental items:
- Orthodontic Treatment
The cost of orthodontic dental projects is generally calculated independently. Most dental insurances will include compensation for orthodontic dental projects of $1500-$2500, but there will be a Lifetime Maximum or a maximum number of times (usually one time).
It should be noted that dental insurance generally does not cover cosmetic dental items, such as:
- Teeth Whitening
- Dental Veneers (Porcelain Veneers)
Dental insurance VS. Dental Discount Plan
How to choose?
If the teeth are fragile and there is a risk of dental diseases, the assistant recommends that students buy dental insurance to save a lot of money and time for themselves, and avoid being unable to seek medical treatment in time due to the waiting period when there is a problem with the teeth.
If your teeth are relatively healthy, you have no dental problems, for the time being, you only have simple needs, but you also want to gain a price advantage in daily cleaning, orthodontics, and dental beauty, then the Dental Discount Plan can be used as a dental discount plan. Replacement and supplementation of insurance.
Student Medicover dental insurance plan and dental discount plan
To meet different needs, Student Medicover offers a dental discount plan and a dental insurance plan.
Dental insurance is usually provided by insurance companies. Members can enjoy lower fees and lower deductibles for just a monthly premium.
A dental discount program is not insurance. Policyholders receive a discount card that offers discounts on specific programs and services at partner institutions.
Different insurance companies have different definitions for different types of treatment. The coverage rate for diagnosis or preventive treatment is usually 80% to 100%, which means that some plans with a 100% coverage rate can be paid 2-3 times a year for free. Regular teeth cleaning.
- Two advantages of dental insurance
- Dental insurance can save you a lot of money on dental care.
Eg. Renaissance’s Max choice plan pays 100% for diagnostic or preventive treatment items, which means routine cleanings and check-ups are free.
- Use an in-network dentist to keep out-of-pocket costs to a minimum. (eg, Delta Dental)
- How to choose a dental plan
- In the case of Student Medicover, we selected four of the most highly rated companies on the market to provide dental products.
- Dental insurance plans are offered by Delta, Renaissance, and Nationwide.
- ▻ The dental discount program is offered by Careington Company.
*For the definition of PPO medical network, please refer to the collection of medical insurance terms for international students in the United States compiled by SM Assistant.
If students want to know more about a specific plan, they can also add Student Medicover customer service to inquire.
Frequently Asked Questions Before Buying Dental Insurance
‣ Q1: Is there a minimum purchase time requirement?
Dental insurance and discounts are based on membership, there is no minimum purchase time requirement, subscriptions are made monthly, and the fee is automatically renewed every month.
‣ Q2: How long is the effective date?
Neither dental insurance nor discounts are immediate, and you can choose an effective date. If you purchase a dental plan before the 20th of the month (including the 20th), the earliest available effective date is the 1st of the next month. For dental plans purchased after the 20th of the month, the earliest available effective date is the 1st of the next month.
‣ Q3: How to check if the plan has a waiting period?
No wait plan and Immediate plan of Delta dental and Max choice plan of Renaissance have no waiting period for covered items. To check the waiting period of other plans, please see the waiting column on the homepage.
‣ Q4: Can I still buy without SSN?
OK. Student Medicover can help policyholders apply for a temporary ID for purchases, as long as students provide personal information. For details, please consult our professional customer service.