Dental Insurance

Do I need Dental Insurance?

Dental Insurance is a great tool for the cost of maintaining a great smile. Dental Insurance Coverage is straightforward in how much you have to pay out-of-pocket, while covering most of your routine costs of cleanings, doctor exams, and x-rays.

There are many factors to consider when choosing a Dental Plan. Considering the specific dental needs of each family member and evaluating the most financially feasible plan is our recommendation. By keeping in mind the services that are covered, this will ensure you receive the level of care your family requires.

Contact us today to learn more about the Dental Coverage Plans available for your company >

How it Works

Dental Insurance requires a monthly, quarterly or annual premium that you pay to be eligible for Dental Benefits. By enrolling you will now have two types of dentists you can visit: in-network and out-of-network.

In-network dentists provide a fee schedule based on an agreement they have with your Dental Insurance Company and tend to be more financially feasible when compared to out-of-network dentists who can use your insurance, but may end up charging you a higher deductible (out-of-pocket cost). Insurance networks tend to provide valuable resources for you to see which dentist is in-network with their coverage.

For more information in regards to checking your Insurance Benefits, Visit our Carriers Page to download your Insurance Companies App to login into your Insurance Portal >

Frequently Asked Questions

+ How can I check to see if my current insurance is active?

You can see if your current insurance is active by visiting our Carriers Page. You can select your insurance company and the corresponding page provides you with the appropriate information to best assist you.

+ How do I make a change to my policy?

For any policy changes, contact us by calling us at (956) 724 9083. We have a 24 hour answering service. You may also Email us at Info@LaurelAssoc.com.

+ How can I learn more about my current insurance?

Visiting your insurance portal provides many perks; you can view breakdowns as well as additional coverage information about your insurance plan. We recommend visiting our Carriers Page and downloading the corresponding app for your insurance company. With the simple use of the app you can view the summary and details of your current insurance plan.

+ What is a deductible?

In an insurance policy, the deductible is the amount paid out of pocket by the policyholder before an insurance provider will pay any expenses. Some insurance claims may not be subject to a deductible, but this all depends on your insurance plan.

+ When does my Health Insurance Plan start?

Most Health Insurance Plans operate on a yearly schedule which means that they begin on January 1st and run to December 31st. This is when open enrollment comes into play which sets a period of enrollment for Health Insurance, based on what the Affordable Care Act initiated to “prevent people from waiting until they get sick or injured to go shopping for coverage.” Learn more about open enrollment >

+ What is a co-pay?

A co-pay is a fixed amount for a covered service (by your insurance), that is paid by the patient to the provider of the service. The co-pay may be defined in your insurance policy so looking at your coverage is always useful. For help with this visit our Carriers Page >