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Once you purchase a dental insurance plan and start paying your premiums, most preventive care like cleanings and check-ups are covered immediately. For more serious procedures, after you meet your deductible, you’ll only be responsible to pay your percentage of the cost. And we’ll pay the rest. Also, some dental plans have an out-of-pocket maximum to protect you from high costs throughout the year. On some plans, if you reach this maximum, we’ll pay the full cost of any additional care until your annual maximum benefit is met.
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Benefits for sealants are limited to secondary molars for Dependent Children under age 16 and will not be payable more often than every five years. No benefits will be paid for replacement of teeth missing before the Effective Date of coverage. Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
DeltaCare USA is Delta Dental’s dental HMO, which offers low-cost dental coverage with a focus on preventive care. Enjoy minimal or no copayments for preventive care and choose from a network of dentists to manage your dental needs.
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Delta Dental, one of the largest providers of dental coverage, prefers to call its coverage, "dental benefits." While the technicalities may not be important to you, how the plans work is something worth understanding. 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.
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