Individuals 18 years of age or older and their dependents of any age are eligible for coverage. Seniors above age 65 may also apply for coverage with most companies.
Routine preventive services (cleanings), basic services (fillings & simple extractions), major services (such as oral surgery, root canals and crowns) and orthodontic services will be covered, depending on the plan selected.*
Most dental insurance coverage will have a waiting period for major service, but some waiting periods are shorter than others. Most plans however will pay more toward basic and major services after 12 months.
Humana, United Healthcare and VSP all offer stand-alone vision coverage whereas some others require vision to be included with a dental plan. Assurant Health does not offer vision insurance. You can view VSP vision plans by clicking on the Delta Dental link above.
(The preceding is a simple explanation of coverage. Please refer to your policy for a full explanation of benefits.)
*Waiting periods and deductibles will apply to certain services and some major services are only covered to a predetermined percentage.