Individual Dental Plans

If you don't have dental coverage from an employer, you will find that most insurance companies do not offer individual dental plan insurance. Many companies claim to offer individual dental insurance when they are actually selling discount plans that only provide discounts for dental services at participating providers and do not provide insurance benefits.

For individuals and families that are looking for dental insurance, Ameritas offers the most comprehensive individual dental plans that include 100% coverage for Preventive care with no deductible. Most people realize that Preventive dental care can not only save your smile - it can save money, by averting costly restorative care.

Only 2 in 5 Americans visit a dentist each year, according to U.S.Public Health Statistics. But 4 in 5 of these individuals would see a dentist more often if they had the right coverage and that's where voluntary dental insurance from Ameritas Group comes in.

For individuals looking for a low cost, dental savings program, we recommend enrolling in CAREINGTON'S Discount Program. CAREINGTON has one of the largest dental provider networks and have deep discounts that range from 20% -  50% for general dentistry services and 20% for specialists.


 

Select from these individual plan options:

 

Ameritas Individual Dental Plans

Ameritas is one of the nation's leading providers of dental care services with 3.5 insured members nationwide. Dental coverage is available for individuals and families, with 6 plan options. Traditional and Progressive Plans.allow you the freedom to use any dentist and reimburse non-network providers at the 90th percentile of usual & customary prices (i.e. 9 out of 10 dentists do not charge more than Ameritas' reimubursement amount)

 

CAREINGTON Dental Savings Program

A low cost, dental savings program that starts as low as $12 monthly. Includes all specialities and online application available

 

Aetna Individual Advantage Dental Plans

Aetna Individual Advantage Dental has two plans to meet your meets - the Aetna Individual AdvantageSM Dental PPO Plan and the Aetna Individual AdvantageSM Dental PPO Plus Plan. They both offer coverage for:
 
  • Preventive care services such as cleanings, x-rays and more
  • Basic care like fillings, simple extractions, root canals, basic restorative work and more
  • Major services such as bridges, crowns, dentures and more
Features of the Standalone Dental Plans include:
  • No underwriting required - plan is automatic issue
  • Members who access participating PPO dentists will receive discounts  (equal to the PPO negotiated rate) for non-covered services such as tooth whitening and adult orthodontics
  • All Individual Advantage PPO Dental Plan members get access to Aetna’s Value Added Discount Programs. Members can save on: Vision, Natural Products and Services, Fitness, and discounts on Oral Health Care Supplies. In addition, discounts on vitamins, massage and acupuncture are also available
* There is a waiting period of 6 to 18 months on certain services, depending on the service included. However, both palns offer preventive and diagnostic care without a waiting period.

 Dental Services

Aetna PPO Plus Plan pays*

Aetna PPO Plan       pays*

Preventive (deductible waived)

Diagnostic and preventive

100%

80%

Basic (6 month waiting period)

Periodontal maintenance cleanings

80%

50%

Denture repair, rebase, and relining

80%

50%

Basic restorative (fillings)

80%

50%

Oral Surgery

50%

50%

Endodontics (root canals)

50%

50%

Major (18 month waiting period)
Periodontics (gum disease)

50%

50%

Crown and cast restorations

50%

50%

Prosthodontics (dentures)

50%

50%

Deductibles and Maximums (per member)
Deductible (calendar year)

$50

$100

Maximum benefit (calendar year)

$1200

$1000

 

 

2008 Illinois Plan Rates

 

Aetna PPO Plus Plan Rates (per month)

Aetna PPO Plan      Rates (per month)      

Ages 49 and Under - Zip Codes 60001 - 60899

1 Person

$37.99

$26.92

2 People

$77.55

$54.96

Family

$128.97

$91.73

Ages 49 and Under - Zip Codes 60901- 62999

1 Person

$28.26

$23.86

2 People

$57.30

$48.44

Family

$95.95

$81.28

Ages 50 and Over - Zip Codes 60001 - 60899

1 Person

$50.61

$36.23

2 People

$96.15

$68.84

Family

$144.84

$103.65

Ages 50 and Over - Zip Codes 60901 - 62999

1 Person

$36.73

$31.45

2 People

$69.79

$59.75

Family

$106.60

$91.01

© 2007-2013, Illinois Health Agents Inc.  About Us   Privacy Policy      Terms of Use      Contact Us