Best Dental Insurance North Carolina

Dental Insurance North Carolina

Dental Insurance Costs in North Carolina

Dental insurance policy holders should expect to pay monthly or annual premiums (the price of the plan), plus deductibles and copays or coinsurance. Many dental plans cover 100% of the cost for preventive care such as exams and cleaning, but customers will pay a portion (copay or coinsurance) of the cost for major services such as root canals and crowns. Dental savings plans offer discounts on dental services, so with these plans customers will pay a reduced rate out of pocket for each service.

The price of a dental insurance plan depends on the type of plan, what’s covered and how many members it covers. Zip code and age also affect cost.

Plan types:

• Preferred provider (PPO) — customers save money when visiting a dentist in the network. These plans typically cover 100% of preventive care and a percentage of major procedures. Many of these plans have an annual maximum.
• Dental HMO — lower cost plans that require a customer to choose a primary care dentist and seek care there to be covered. Preventive care is usually covered at 100% and major services have set fees. These plans are easier to find without an annual maximum.
• Fee-for-service — customers pay for services out of pocket until they meet the deductible, then share costs with the dental plan. Customers choose any dentist. Premiums tend to be higher for this type of plan.
• Dental savings plan — these plans are popular, but they are not the same as insurance. With these plans the customer pays a set yearly fee and is then entitled to discounts at participating providers.

PPO plans in North Carolina start at about $24 per month for basic preventive coverage. An enhanced plan costs close to $40 per month and a premium plan is $55 per month.

Dental Insurance in North Carolina

North Carolina has about 5,000 dentists who are concentrated in urban areas. The state has historically lagged behind the rest of the US in dentists per capita, and this shortage is especially evident in rural areas. Overall, 13% of North Carolina kindergarteners have untreated tooth decay, which jumps to 18% in rural counties. While 85% of 5th graders in Wilkes County have dental sealants, only 6% of 5th graders in Warren County do. Some counties have school-based dental programs that provide preventive care for students.

In North Carolina, 88% of residents who are served by the public water system receive fluoridated water. 64% of adults in North Carolina have seen a dentist in the past 12 months. 65% of patients at dental practices have private dental insurance, 9% have public insurance, and 27% are uninsured. 21% of those over 65 have complete tooth loss and half of those in assisted living facilities have tooth decay. However, with the affordable cost of dental insurance in North Carolina, oral health is attainable.

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Delta Dental of North Carolina

Delta Dental offers individual and family plans in North Carolina as well as group plans and Medicare Advantage plans. All PPO plans cover preventive services at 100% when visiting an in-network provider. Delta Dental has the largest network of dentists in North Carolina, with two types: Dental PPO Network (which has the lowest out of pocket costs) and Premier Network (which offers lower costs at participating dentists). Customers can view plan costs online and should be aware of annual plan maximums. Some Delta Dental reviews note friendly customer service and positive experiences at the dentist.

Delta Dental of North Carolina
Address	4242 Six Forks Rd #970, Raleigh, NC 27609
Phone Number	1800-971-4108

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Blue Cross and Blue Shield of North Carolina

Blue Cross and Blue Shield of North Carolina is your neighborhood insurance office. Agents help find the best plan for your needs at the best rate. They will assist in the enrollment process. Blue Cross and Blue Shield offers three dental plans in North Carolina: PPO Preventive Plan, PPO Value Plan, and Core Plan. The Core Plan provides the same benefit level for contracted and non-contracted dentists.

Blue Cross and Blue Shield of North Carolina
Address	160 E Cedar St, Cary, NC 27511
Phone Number	(919) 234-6066

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Jerry Ballard & Associates, Inc.

Jerry Ballard & Associates is an authorized independent agency offering the Blue Cross Blue Shield Dental Blue insurance plan. They have no in-network limitations, so customers can visit any dentist. There is no deductible and no waiting period for routine preventive services and cleanings are 100% covered. Customers can get a quote and apply online or call to speak to an agent. Jerry Ballard & Associates received high ratings for patient and helpful agents who were knowledgeable about plan benefits and eligibility. Reviewers appreciate the help navigating the insurance marketplace and feel that the company clearly cares about its clients.

Jerry Ballard & Associates, Inc.
Address	4727 Arendell St, Morehead City, NC 28557
Phone Number	(252) 726-5400

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Carolina Insurance Professionals

Carolina Insurance Professionals provides personalized service to help customers choose the plan that best fits their needs and budget. Signing up for insurance through an agent has no extra cost. Services include expert guidance, help with paperwork, follow-up, claims assistance, and more. This insurance broker gets consistently positive reviews for high quality, convenient service and professional agents who help clients save time and money. Several reviewers have noted that this company made the complex process of signing up for insurance simple and many said they would recommend Carolina Insurance Professionals to friends and family.

Carolina Insurance Professionals
Address	5540 Centerview Dr STE 200, Raleigh, NC 27606
Phone Number	(919) 285-4732