Dental and Vision

Dental Insurance is important to everyone

Why is it important to practice good dental hygiene? Good oral/dental health is the best way to protect your overall health. Dental problems such as cavities or gum disease can cause much worse health issues starting with gingivitis that is linked to stroke, asthma, coronary artery disease and more. Poor dental hygiene can also lead to loose teeth, bad breath with accompanying physical pain along with financial cost.

Overview of Annual Benefits for NCD Call 800-641-3315 or set a phone appointment at your convenience for details and quote.

$1500, $3000 or $3000 Plus Additional **$2000 Buy Up

· Deductible	· $50 annual deductible for basic and major services (per person) $150 Max (per family) No deductible for preventative services.
PREVENTIVE CARE (100% Coverage) No Waiting Period	PREVENTIVE CARE (100% Coverage) No Waiting Period
· Routine Exam (1 in 6 months) · Bitewing X-rays (1 per 12 months)	· Cleaning (2 in 12 months) · Fluoride for children under age 16 (1 in 12 months)
BASIC CARE (80% Coverage) No Waiting Period	BASIC CARE (80% Coverage) No Waiting Period
· Full Mouth/Panoramic X-rays (1 in 3 years) · Sealants (ages 6 through 16) · Space Maintainers (child under 16)	· Restorative Amalgams · Simple Extractions
Major Care * (50% Coverage) 12 Month Waiting Period	Major Care * (50% Coverage) 12 Month Waiting Period
· Onlays · Oral Surgery · Implants · Crowns (1 per tooth, per 7 years) · Crow Repair · Endodontics (nonsurgical) · Periodontics (nonsurgical	· Periodontics (surgical) · Denture Repair · Dentures (1 appliance per 5 years) · Bridge (1 per 7 years) · Complex Extractions · Anesthesia

*Waiting period for major services may be waived with proof of prior coverage provided by the Member. Proof of prior coverage will only be accepted from the prior carrier within 30 days of effective date on NCD and showing 12 months of continuous fully insured coverage with no lapse. DHMO, discount, or scheduled plan coverage will not be accepted.

** Underwritten by Nationwide Life Insurance Company. Administered by Merchants Benefit Administration. **$2,000 Plan buy up option for total $5,000 Plan benefit, self-funded by administrator.

Have any questions?

Check our FAQ

Why use a broker for dental and vision insurance policy?

There is no cost to using a broker.
A broker can compare many companies and plans and explain the differences to you. A company agent only knows their plans and can only offer their plans.
A broker continues as an advisor to you.
If you have questions or issues, your broker is an additional asset that you can rely on and understands the plan you are on.

Features of the plans that make them distinct from each other. There may be limitations and exceptions to the plan. These may help you decide which type of dental plan is a better fit for your needs. Let’s compare these plans based on the following:

Deductible: a specified amount of money that the insured must pay before an insurance company will pay a claim
Coinsurance: a type of insurance in which the insured pays a share of the payment made against a claim.
Annual maximum: Sometimes referred to as a plan maximum, or maximum amount – a dental annual maximum is a total your dental plan will pay toward your care during any one plan year.
Waiting period: A waiting period is the amount of time an insured must wait before some or all of their coverage comes into effect.

Typical Types of dental services:

PREVENTIVE CARE Routine Exam Bitewing X-rays Cleaning
BASIC CARE Full Mouth/Panoramic X-rays (1 in 3 years) Sealants (ages 6 through 16) Restorative Amalgams Simple Extractions
MAJOR CARE Onlays, Oral Surgery, Implants, Crowns, Crown Repair, Endodontics (nonsurgical), Periodontics (nonsurgical), Periodontics (surgical), Denture Repair, Dentures Bridge, Complex Extractions, Anesthesia

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For more information to help make a good decision about dental and vision insurance you can

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WELCH INSURANCE

Dental and Vision

Dental Insurance is important to everyone

Overview of Annual Benefits for NCD Call 800-641-3315 or set a phone appointment at your convenience for details and quote.

$1500, $3000 or $3000 Plus Additional **$2000 Buy Up

Have any questions?

Check our FAQ

Delta, Nationwide and Renaissance Dental and Davis and VSP Vision

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