Dental Insurance

Who doesn’t love a great smile? How does it taste to bite into your grandma’s warm sweet smelling favorite apple pie? Maybe with a scoop of vanilla ice cream melted on top. Thanks to your teeth, we can enjoy many of the simple things in life that we tend to take for granted. Thanks to your teeth, your smile might help you get that date with love of your life.

Take care of your teeth, and they will take care of you. Your teeth can get expensive, even more so as we age. That is why it is so important to ask your Independent Insurance Agent, Caroline Dunlop to shop around, so you receive the best bang for your buck.

Dental insurance is different than health insurance. With health insurance, you pay your deductible and then a significantly smaller portion of the rest of the bill. Dental coverage is the opposite. You receive a certain amount of coverage, and after that you’re on your own to pay the balance of the bill. Once you hit your yearly maximum, you have to either wait until next year for more work or pay the expenses from your own wallet. But how will you know what the coverage is?

When your dentist contracts with an insurance company, your dentist receives the insurance company’s fee schedule. The dentist then gets the right to be advertised on the insurance company’s list of in network providers. Being “In Network” dictates the maximum fee the dentist may charge for treatment procedures allowed by the insurance company. (For example: The regular fee for a crown is $1000 but the insurance contracted fee is $800.00 and they pay 50% of that. The dentist then cannot charge more than the contracted fee for allowed procedures.)

To find out what dental coverage is best for you and your family, call Caroline J. Dunlop at 916-849-5606. Or email at