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Why Buy Dental Insurance?
Dental coverage
Finding the right dental coverage shouldn't feel like pulling teeth. As an independent insurance agency, Secure National Insurance Group LLC doesn’t work for a single insurance company—we work for you.
We compare plans from top-rated national carriers to find the right balance of premium costs, deductibles, and network size that fits your family's budget and healthcare needs.
More Choices
Access a massive portfolio of stand-alone dental and bundled dental/vision plans.
Impartial Advice
We check your preferred local dentist and cross-reference their accepted networks to ensure your doctor is covered.
No Added Fees
Working with an agent doesn't cost you a dime more than buying directly from a carrier.
Lifetime Support:
If you have trouble reading your policy or need help filing a claim appeal later on, our agency is here to back you up.
Protect What Matters Most
How to Choose the Right Plan
How Standard Dental Insurance Works: The 100-80-50 Rule
How Standard Dental Insurance Works: The 100-80-50 Rule
When budgeting for health expenses, many individuals and families ask themselves the same question: Do I really need dental insurance, or should I just pay out-of-pocket at the dentist?
The truth is, unexpected dental issues can happen to anyone. A single root canal or crown can easily cost over $1,000. Without coverage, a minor toothache can quickly turn into a major financial headache.
As independent insurance agents, we believe in complete transparency. Here is a straightforward guide on how dental insurance works, what to look for, and how to find a plan that actually saves you money.
How Standard Dental Insurance Works: The 100-80-50 Rule
How Standard Dental Insurance Works: The 100-80-50 Rule
How Standard Dental Insurance Works: The 100-80-50 Rule
Most traditional dental PPO plans operate on what the industry calls the "100-80-50" coverage structure. Once you meet your annual deductible, a standard plan typically pays:
- 100% for Preventive Care: Routine cleanings, exams, and routine X-rays are usually fully covered with no out-of-pocket costs to you.
- 80% for Basic Procedures: This includes common treatments like fillings, simple extractions, and deep cleanings.
- 50% for Major Procedures: This covers high-cost treatments like crowns, root canals, bridges, and dentures.