Best Dental Insurance In North Carolina For Individuals & Families (Rates from $37/month!)
How Much Does Dental Insurance Cost In North Carolina?
In North Carolina, the average cost of dental insurance is $37 per month or about $444 per year. However, the final price will be determined by your choice of dental benefits, tobacco usage, the number of people covered on your policy, and location.
What Factors Influence The Cost Of North Carolina Dental Insurance Plans?
When determining the cost of a dental policy, insurance providers consider several factors. We’ll go through some of the most crucial ones below, which are:
Your Location – One of the most essential elements that insurance providers consider when setting your dental insurance rates is where you reside.
Coverage Levels – If you’re purchasing a policy for the first time, you’ll notice that each insurance company will allow you to choose from several deductibles, co-pay, and yearly maximum options.
Overall Dental Health – Dental health is a significant factor in insurance and cost. Because the better your dental health, the less you need to use your policy and coverage, it’s essential to maintain good dental hygiene.
Annual maximums – A policy’s annual maximum is the most your plan will pay out for coverage in a plan year. This means that the lower your annual maximum, the higher your out of pocket expenses will be.
Is Dental Insurance Required By Law In North Carolina?
Dental insurance isn’t required by law, but purchasing dental insurance in North Carolina is advisable because you never know when you’ll need it. If you don’t have dental coverage, paying for dental costs might be extremely difficult, if not impossible.
Do I Have To Use A Health Insurance Marketplace To Buy North Carolina Dental Plans?
You do not have to use the Marketplace to get dental plans in North Carolina; however, if you want to add dental coverage to a Marketplace Health policy, you can only add it during open enrollment and when choosing your policy.
Types of Dental Insurance Plans In North Carolina
Several dental insurance policies are available, whether you’re purchasing North Carolina dental insurance for yourself or your entire family. The most popular types of dental insurance coverage are DHMO (Dental Health Maintenance Organization) and PPO dental plans (Preferred Provider Organization).
A Dental HMO (Dental Health Maintenance Organization) Plan
A DHMO may be a more cost-effective dental insurance coverage. You pay less on premiums but must use dentists in the plan’s provider network. If your dentist is already in-network, this could be an excellent choice.
A Dental PPO (Preferred Provider Organization) Plan
This is typically the most expensive choice, but it comes with more choice and the opportunity to pick a dentist you prefer. If you require specialist care, you won’t need to see your regular dentist for a referral (like you would in an HMO).
What Does Dental Insurance Cover In NC?
North Carolina’s dental insurance plans cover preventative exams, routine teeth cleaning, fillings, and X-rays. Dental insurance policies may also include periodontics, endodontics, dentures, bridges, root canals, and other surgical treatments. Make sure to compare the coverage of the plan you’re considering so that you know what to expect in terms of out-of-pocket costs.
Limitations of Dental Insurance Plans In North Carolina (Annual Maximums)
Every dental insurance plan has a limit on what it will pay out each year, and for many people, that amount is low. All expenses over that amount are charged to you. If your plan has a yearly cap of less than $1,500, you’re responsible for all costs over $1,500. It’s easy to reach your maximum if you require a crown or root canal surgery. There may also be waiting periods for specific treatments depending on the plan you choose.
What Does Dental Insurance Not Cover In North Carolina?
Dental insurance does not cover aesthetic dentistry, which is the treatment of teeth for cosmetic purposes. Because they are not considered “medically required,” cosmetic treatments are never covered by insurance. Teeth whitening and veneers are examples of esthetic procedures. These therapies improve a person’s appearance rather than replacing damaged teeth.
Are There Any Dental Insurance Alternatives In North Carolina?
The most popular alternative to North Carolina dental insurance is a dental discount plan or a prepaid dental plan.
What Is A Dental Discount Plan?
Dental Discount Plans, also known as Dental savings plans, are designed for individuals, families, and groups looking to save money on their dental care needs. Plan members save 10-60% on the typical cost of dental care and treatments at a nationwide network of usually more than 100,000 dentists. This type of coverage is not considered insurance but more a membership program.
How To Get Free Dental Insurance Quotes In North Carolina?
There is no reason to go without dental insurance coverage in North Carolina, especially when it’s so easy to find a plan that suits your needs and budget!
The best approach to finding affordable dental plan rates in North Carolina is to compare numerous quotes from multiple companies online.
All you have to do is click here or on one of the above buttons to get free individual & family dental insurance quotes. Best of all, you can get covered in minutes.
Frequently Asked Questions About Dental Insurance North Carolina
How does dental insurance work in North Carolina?
Although dental insurance has a monthly premium similar to health insurance, many plans have a coinsurance structure. A Dental PPO plan is most often covered under a 100/80/50 coinsurance ratio. That breaks down as follows:
Preventive care including cleanings, exams, and X-rays at 100%Basic dental procedures, such as fillings at 80%.Major procedures, such as crowns and dentures at 50%
How much is dental insurance per month for one person in North Carolina?
The average monthly cost of dental insurance in North Carolina for one person is $37, or approximately $444 per year. However, remember that the final price will be determined by your choice of coverage levels if you are a smoker, where you live, and the number of people covered.
What Is The Most popular type of dental insurance in North Carolina?
North Carolina’s most popular dental plan is a preferred provider organization (PPO) plan. PPOs, in fact, account for the vast majority of dental insurance plans purchased throughout the United States.
Is Delta Dental Insurance good?
Delta Dental is a decent insurance provider with decades of expertise in the dental insurance sector and a solid reputation from AM Best and the Better Business Bureau. Delta Dental’s dental services are available across the country through independent agencies. However, keep in mind that not every insurance company is appropriate for everyone, so it’s always a good idea to shop around.
