Montana Dental Insurance Options
There are a variety of companies and plans available for dental insurance. Adults 19 and older can choose maximum benefit amounts per year from $1000 to $1500. Preventive exams are usually covered without having to meet a waiting period. Most plans will have limited benefits the first year for major services such as crowns, bridges, and root canals.
Once the company has paid out the maximum benefit amount, then you are responsible for 100% of the charges for the remaining year.
Pediatric dental benefits are much different than adult benefits. The most an individual child under 19 would pay for dental expenses is $350 per year or $700 if there are two or more children. Most expenses over this amount will be paid for by the insurance company.
Dental insurance is broken down into four categories:
- Preventive or cleaning
- Basic benefits which are most fillings
- Major benefits which encompass the root canals, bridges, and crowns
All plans have a yearly deductible and then depending on the category of care (listed above), you will generally pay a co-insurance amount of 20% to 50% of the allowable cost.
BlueCross/BlueShield offers dental plans, but these can only be purchased during Open Enrollment (this coincides with the health insurance open enrollment period), or if there is a qualifying event such as loss of current dental plan. Review BlueCare Dental Plan 1A and BlueCare Dental 1B plan descriptions.
Get a dental policy through Delta Dental. An individual is able to enroll in these dental plans at anytime, you don’t have to wait for open enrollment.
Two companies are available for vision insurance, DavisVision and VSP. Typically, there is a small copay for exams and lenses and an allowance up to $130 for frames. Get more detailed information about vision insurance through DavisVision and VSP, and be sure to choose the Vision tab.