Nevada dental insurance works differently than medical insurance. Our dental policies are stand-alone policies, which means they can continue on past the termination date of your medical insurance. Since dental plans work on a graded benefit structure, the dental insurance company rewards you with better benefits for being on the same plan consecutive years.
Ameritas Nevada Dental Quote
If you’re looking for the best value for your dollar, Ameritas can be a great choice. They cover major services on Day 1 and their prices are very competitive for the high level of service they offer.
The maximum annual benefit starts at $1,000 and goes up to $2,000.
Ameritas also includes NO WAITING PERIOD for major services. However, they only cover 10% of the cost the first year.
The longer that you are enrolled in a dental policy, the lower your cost sharing will be. This means that the plan will pay out more services in the 2nd and 3rd year than in the first year.
Even on the some most expensive plans from Delta, you will still find waiting periods for major services.
There is a plan option that includes no waiting periods.
If you are already registered with Delta Dental, you can print out your ID cards by creating a username and login HERE. Or you can call them, Delta Dental PPO Member Services: 800-521-2651 Get A Quote
Max Out of Pocket and Annual Max Benefit.
The second major difference between medical and dental insurance is dental has a maximum annual benefit amount. While a max out of pocket and annual max sound very similar, those terms are actually complete opposites. This is unlike medical, where you might pay the first portion called the deductible and the insurance company covers the remainder. With dental insurance, the insurance company gives you a fixed annual amount to spend, usually between $1,000 to $2,000. If you exceed this amount in a year all further dental bills are your responsibility.
