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Shop for Dental Insurance the smart way.
Finding the right insurance is a real challenge. It is a smart idea to get help from experts when it comes to choosing the right insurance. You have several choices when it comes to your coverage. As an independent agency, Nova Insurance can help you shop around and compare rates and coverages from multiple reputable insurance companies until you find a policy that meets your needs and budget.
Independent agents like us work for you – not insurers. While it costs you nothing to use the services of Nova Insurance, it could save you a lot of amount of time and money. We can also help you assess your actual coverage needs so you are better protected against loss. If you already have coverage, we can shop to see if there is a better option for your needs. Get in touch today, and let's find you the best coverage for your needs.
Top 5 FAQS
How much auto insurance do I need?
Most states have a minimum requirement of coverage you are expected to have. You will need proof of this insurance to register a vehicle. These requirements will sometimes not be enough to cover the cost to you of an accident. If they are not, then you would be paying out of pocket any additional expenses. Because of that, you want to consider coverage that extends beyong the minum requirements. You will want to consider certain factors when determining the coverage you will need including:
- The value of your assets
- How often and when you drive
- What type of car you drive
- Who rides along with you
What does dental insurance cover?
Most dental insurance plans cover preventive care, which includes regular checkups by your dentist, as well as care for cavities, implants or getting a tooth knocked out. Make sure to learn the details of your plan. Some plans may cover a procedure only after a waiting period and often not at 100%.
Dental plans include coverage for preventive care. This includes care like routine exams, cleanings, and X-rays. Many dental plans also include coverage for basic services like fillings and extractions, and major services like root canals, crowns and more. Preventative care is often covered completely. Beyond that you want to know the details of the specific plan because some will cover a procedure at 100%, others at a lower percentage, and others will require a copay.
Can I buy dental insurance without health insurance?
Does my health insurance cover dental care?
Plans under the ACA (Affordable Care Act) do not include dental coverage. There is no penalty for not having it, but as you are well aware, dental care can be very costly, so depending on your situation, dental insurance may be a wise choice. For those with Medicare, unfortunately dental is not covered. Medicare Supplement also does not include dental coverage. However, there is some dental coverage with Medicaid and also with Medicare Advantage, so if you have either, please familiarize yourself with the dental coverage details to determine if you should buy any additional dental insurance.
Is there a waiting period for dental care?
It depends on what care. For preventative care, there is no waiting period. As soon as you purchase the dental insurance you would be able to use the preventive care benefits. Beyon that, some plans do have a waiting period for other care, often ranging from 4-12 months. It is important to prepare ahead of time to make sure you have the covereage you need before you need it!
How much does dental insurance cost?
Most Americans pay just under $500 a year for dental inusrance, or $10-50 a month depending on their needs. You can also sign up for a dental discount plan which is an alternative to dental insurance that does not require paying a premium, but offers sizable discounts for out of pocket costs to you if you select doctors in the dental discount plan's network.
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As an independent broker, we don't use automated search engines. Your quote will be customized. We also offer a full, complimentary review and gap analysis to make sure you have all the coverage you need. Just complete this form and we'll get back to you ASAP.
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