Independence Dental Insurance

Independence Dental Insurance Underwritten by Independence American Insurance Company, offers you access to high quality affordable PPO and Indemnity dental insurance coverage for individuals and families. Choose from three PPO plan options: Independence PPO 1000, PPO 1500 and Independence Ultra PPO 1500 and three Indemnity plan options. Available options vary by state. Coverage can begin as early as tomorrow.

PPO Network Options and the freedom to use your own dentist

Quote or Apply

Dental coverage can start as early as tomorrow.
Available in all states Except: MA, NJ, NY, VT
Call 1-800-544-9505 with Questions

Independence Dental Insurance Options

IHC Dental Insurance Plan Options

Each plan option pays a percentage of your cost for Preventative, Diagnostic, Basic and Major services based on the chart below. Waiting Periods for different classes of procedures are listed based on the plan option. When you run a quote, the options available in your area will be shown.

 

View Brochures

  PPO 1000 Ultra PPO 1500 PPO 1500
Deductible: $50 $50 $50
Maximum Benefit: Applies per covered person, per calendar year $1,000 $1,500 $1,500
The following percentages are paid by the plan after deductible.
Preventive Care
Exams 100% 100% 100%
Cleanings 100% 100% 100%
Topical fluoride 100% 100% 80%
Sealants 100% 100% 80%
  (calendar year deductible does not apply) (calendar year deductible does not apply)  
Diagnostic Care
X-rays 100% 100% 80% 6 month waiting period

 

(calendar year deductible does not apply) (calendar year deductible does not apply)

 

Basic Care

Fillings and extractions

50%

6 month waiting period

80%

6 month waiting period

80%

6 month waiting period

Major Care
Crowns, bridges, dentures, root canals, periodontics, endodontics and oral surgery

50%

12 month waiting period

50%

12 month waiting period

50%

12 month waiting period

When utilizing in-network dental providers: Network providers have agreed to a negotiated, discounted dollar amount for each covered charge. Therefore, if all dental services are received from network providers, you will not be billed for any charges above the allowed amount, or maximum allowable charge.

 

When utilizing out-of-network providers: If you receive dental services from a provider that is not included in the network, covered expenses are limited to the maximum allowable charge.* You will receive a bill from the provider if out-of-network expenses exceed the maximum allowable charge.

 

The PPO network available with Independence Dental varies by state. Please refer to the provider directory for a complete list of available network dental providers in your area.

 

Not available in all states. Plan options vary by state.

 

Preventative and Diagnostic

Preventative Care

• Routine oral exams, limited to two per calendar year
• Prophylaxis (the cleaning and scaling of teeth), limited to two per calendar year
• Topical application of fluoride for dependent children, limited to one per calendar year*
• Sealants, one per tooth every three years for specific permanent molars*
• Space maintenance, including the initial appliance and adjustments within six months of installation for a dependent child up to age 16

 

* This benefit may vary by dependent age and state.

 

Diagnostic Care
• Bitewing X-rays, limited to one per calendar year
• Full-mouth X-rays, limited to one every three years

Basic Procedures

Basic care
• Simple extractions
• Fillings
• Amalgam restorations
• Composite restorations, limited to anterior teeth and bicuspids
• Emergency palliative treatment to temporarily release pain

MAJOR Procedures

Major care
• Endodontic services
• Periodontic services
• Oral surgery
• Surgical extractions
• Dentures and maintenance prosthodontics
• Inlays, onlays and crowns
• Bridges

 

Independence Dental Insurance Information

Independence Dental

  • Availability – Independence Dental is available in the following states: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, WI, WV, WY. Availability is subject to change.
  • Different plan designs offer various levels of coverage, out of pocket costs, and dentist availability. These choices vary by state. For complete details please review IAIC IDEN POL 0414 and state specific variations where applicable.
  • Dental insurance under the Independence Dental plans is underwritten by Independence American Insurance Company.
  • The application must be received by the administrator prior to the requested effective date, and the initial premium must be received by the administrator prior to issuing coverage. If a monthly billing method has been selected, future premium will be due on the first of each month.
  • Do not lapse or cancel current insurance coverage unless you receive a written notice from the insurance company that your application for coverage has been approved.
  • About the IHC Group
    Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual specialty benefit products, including disability, supplemental health, pet, and group life insurance through its subsidiaries since 1980. The IHC Group owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company), and IHC Specialty Benefits, Inc., a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.
  • About Independence American Insurance Company
    Independence American Insurance Company is domiciled in Delaware and licensed to write property and/or casualty insurance in all 50 states and the District of Columbia. Its products include short-term medical, hospital indemnity, fixed indemnity limited benefit, group and individual dental, and pet insurance. Independence American is rated A- (Excellent) for financial strength by A.M. Best Company, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).
  • This plan is administered by The Loomis Company.
  • About The Loomis Company
    The Loomis Company (Loomis), founded in 1955, has been a leading Third Party Administrator (TPA) since 1978. Loomis has strategically invested in industry leading ERP platforms, and partnered with well-respected companies to enhance and grow product offerings. Loomis supports a wide spectrum of clients from self-funded municipalities, school districts and employer groups, to large fully insured health plans who operate on and off state and federal marketplaces. Through innovation and a progressive business model, Loomis is able to fully support and interface with its clients and carriers to drive maximum efficiencies required in the ever evolving healthcare environment.
About Independence American Insurance Company Independence American Insurance Company is domiciled in Delaware and licensed to write property and casualty insurance in all 50 states and the District of Columbia. Its products include short-term medical, employer medical stop-loss, hospital indemnity, fixed indemnity limited benefit, group and individual dental, pet insurance, and non-subscriber occupational accident insurance in Texas. Independence American is rated A- (Excellent) for financial strength by A.M. Best, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).

 

IHC Group

 

Long Term Consumer Care, Inc. BBB Business Review

 

DenteMax Network

The Independence PPO dental insurance options use the DenteMax network. Click on the DenteMax logo to search for network providers.

FAQ

Yes, you have the freedom to keep your dentist. The PPO plans allow you to use a network or out of network dentist.

 

With the PPO options, if you use a out of network dentist, you might have additional expenses out of pocket.

PPO stands for Preferred Provider Organization. The

 

The dentists that are in the network are contracted with the network and charge according to a discounted fee schedule. This will provide you with lower amounts out of pocket.

 

If you use a dentist that is not in the PPO network, the insurance company will pay just like you are using a network dentist. If the dentist charges more, you will be charged the difference by your dental office.

Yes, you can have more than one dental plan. The insurance companies will coordinate benefits to make sure that the two plans combined are not paying the dentist more than the procedure charge.

 

You can also use a second plan to pick up when the other plan reaches it's annual maximum

 

About Us

Long Term Consumer Care, Inc. is an insurance agency and brokerage firm. Licensed nationwide, LTCC operates electronic consumer insurance information services nationwide and worldwide. Catering to the needs of self-directed insurance shoppers, we own and operate several insurance related properties. Our sites provide an array of comparative health insurance, short term health insurance, dental, travel insurance quotes and dental discount plans, combined with insurance information and decision-making tools. We provide instant quotes from top rated insurance companies for multiple product lines and allows a user to purchase insurance directly from the company of their choice - always at the lowest price.

Customer Testimonials
Free Discount Rx Plan
License Information
Privacy Policy
Sitemap

Get in Touch

  • Phone:
    (800) 544-9505
  • Fax:
    (262) 436-1720
  • Email:
    info@consumerbenefits.net
  • Address:
    W162 N8241 Tamarack CT
    Suite 102
    Menomonee Falls, WI 53051