The following is a list of Virginia Dental Insurance Plans. Scott Asselin at Amerus Financial is who maintains this page. If there are questions that you need answered, he is the person who will be contacting you. You may email him at [email protected] or thru our contact us page.
Virginia Dental Insurance Plans
This list of Dental Insurance Plans available in Virginia is not given in any preferred order at this time. Links for each company are to our company reviews. If there are links available to apply online, we have included them.
Here is the links for our insurance choice by category
- Dental Insurance For Seniors
- Dental Insurance For Families of 5 or More
Dental Insurance Plans We Represent
There are many companies that offer dental insurance. Any of these companies have pros and cons, even the ones we represent. However, the companies that we represent provide a solid representation of what Dental Insurance plans are available. The Insurance plans we choose to represent have been picked based on
- Cost to you for services covered
- Available Networks
- Customer Service
- Claim Payments
Manhattan Life has a good solid Dental Vision and Hearing Insurance package. As they advertise, it is a limited benefit insurance. Here are some of the plan highlights.
- No Networks so you can choose your own dentist
- A family rate is available which includes up to 3 children. (A Note here – a couple will find it less expensive to get an individual policy for each.)
- Issue age is 18-75 in Virginia
- It is guaranteed renewable up to age 80, subject to annual premium changes.
- There is no qualifying. No health questions, etc.
- There is no waiting period for preventive or basic dental services. (Note that there is a benefit increase after year 1 and year 2)
- Your choice of two benefit options – $1000 or $1500.
- Includes both vision and hearing.
Monthly premiums for individuals on the $1000 policy year maximum range from $25/ month up to $31/ month, depending on your age. This has the annual cost at $300 to $372 a year for $1000 worth of dental work. With the national average of a root canal being $1200 – $1500, this is enough insurance to cover this procedure.
Monthly premiums for individuals on the $1500 policy year maximum range from $33/ month up to $41/ month, depending on your age. This has the annual cost at $396 to $492 a year for $1500 worth of dental work. With the national average of a root canal being $1200 – $1500, this is enough insurance to possibly cover this procedure twice in a year.
Things to consider
Here are a couple of money saving tips for this Dental Insurance Plan.
- Married couples should get individual coverage – the monthly premium will be lower.
- Remember that this includes your Vision and Hearing Insurance so get the right coverage level according to your needs.
- Remember that vision Insurance starts in at $9.00 a month so that makes this a really good deal, even taking the higher premium.
Some limitations to be aware of
There are a couple limitations we need to point out.
Eyeglasses or contact lenses are not covered for the first six (6) months.
The following items and/or services are not covered during the first Policy Year (12 months).
- Endodontics (including root canals); Periodontal surgery; Bridges; Crowns; Full dentures or partials; Any work relating to replacement of natural teeth which were missing at the time coverage becomes effective; “Full Mouth” extractions; Fluoride treatments; or Outpatient dental surgery.
- hearing aids, including repairs.
The first option is that it offers a $1000 and a $2000 annual maximum. This is higher limit is nice for individuals needing major dental work like dentures, implants, and bridges.
The second feature that I think is really nice is that basic services are covered at 50% day one and 80% after Jan 1st. Major dental services are covered at 15% day one and 50% after Jan 1. This means you can sign up for this program Dec 30th, and have full benefits on Jan 1st.
The third feature on this Dental Insurance Plan is that you have 100% preventive services covered on day one.
The fourth feature that some Dental Insurance Plans don’t have is Orthodontic services. There are some some limitations so check the policy for details.
The one thing to note is that this plan does have a network that you should use to get the full benefit,