Facts you need to know about Dental Insurance
There is no charge to discuss your specific situation, our agency is paid a commission if you decide to enroll through us. However, we do not pressure. We are independent agents representing many carriers in Georgia and South Carolina, your needs determine the plan/carrier.
Security Life Dental uses the Maximum Care network: http://www.securitylife.com/findadentist
If you use a Maximum Care provider, plan-paid benefits are based on a negotiated fee schedule. This means less out of pocket costs to you. If you use a non-network provider, plan-paid benefits are based on the 80th percentile of the Reasonable and Customary charges, which may result in higher out of pocket costs.
Security Life offers plans designed for the individuals/families who use:
Network providers: Advantage Network and Advantage Plus Network, with lower monthly premiums
Non-network providers: Advantage Indemnity, Advantage Plus Indemnity, higher monthly premiums
When you review the plan options pay attention to the Upgrade option. Each plan has an annual maximum benefit amount of $1,000 with major services not to exceed $500. You can upgrade to an $2,000 annual maximum benefit, with major services not to exceed $1,000.
I offer dental through several carriers but have found Security life is one of the lower monthly premiums, and definitely stands out by offering some benefits for all services from day 1.
DENTAL TERMS
There is no charge to discuss your specific situation, our agency is paid a commission if you decide to enroll through us. However, we do not pressure. We are independent agents representing many carriers in Georgia and South Carolina, your needs determine the plan/carrier.
Deductible- the amount you must pay before benefits are paid
Preventative Services- specific benefits designed to help you maintain healthy teeth. Services include: exams, cleanings. There is a $50 lifetime deductible for each covered person
Basic Services- specific services to restore or remove damaged teeth. Services include basic fillings, x-rays, simple extractions. There is a $50 annual deductible for each covered person on basic and or major services
Major Services-specific services to include oral surgery, endodontics, periodontics, crowns, bridges, dentures. There is a $50 annual deductible for each covered person on basic and or major services
Orthodontics- services to straighten teeth. This benefit is offered on specific plans for individuals under 19 years of age and pay a benefit after two years of coverage, with a $500 max benefit per year and a lifetime maximum of $1,000 per child