Dental insurance
emphasizes prevention

Most insurance policies pay benefits after the problem has occurred. Dental insurance is designed to prevent problems or keep them from getting worse. For instance, medical insurance begins paying only after a certain deductible is met. Dental insurance, on the other hand, starts reimbursing you when the treatment begins and continues to a certain limit. This encourages you to get preventative care because it is paid for up front.
The mouth is a breeding ground for bacteria. Dental plaque is linked to infections and diseases. Your mouth is a window into what’s going on in the rest of your body. These are reasons why dental hygiene is so necessary and why the preventative character of dental insurance is so important.

If you do not have dental insurance, you will want to consider it. If you work for a Church of the Brethren-affiliated employer (church, retirement community, agency, camp, or district) that offers Brethren Insurance Services dental coverage, you are able to purchase an excellent plan by Delta Dental.

The most important part of this plan is its preventive care during each calendar year for the following benefits: it will pay 100 percent of the cost per person of two oral examinations/cleanings each year, plus two bitewing X-rays, as well as fluoride treatments (to age 18), and sealants (to age 15).
The plan will pay 80 percent of restorative services such as amalgam and composite fillings, simple extractions, root canals, and non-surgical periodontics.

It will pay 50 percent of major restorative services : surgical periodontics, inlays, crowns, onlays, bridges, dentures, and implants.

There is an annual maximum per insured , which means the plan will pay up to the maximum allowed in the chosen level of coverage, per person, for all of these services.

Dental insurance from Brethren Insurance Services will help improve your dental hygiene. Since the plan covers 100 percent of the cost of two checkups per calendar year, you will be more likely to get your regular checkups. By emphasizing prevention, the plan enables your dentist to anticipate problems and correct them before they become serious. The plan offers discounts on many procedures. These discounts will continue even after you reach your maximum, meaning your dental dollars will stretch.

With Brethren Insurance Services, you will be able to maintain your dental health without draining your budget. Remember, when your teeth and mouth are in good shape, it’s more likely that you will be too.

To find out more, contact Jeremiah Thompson at 800-746-1505 ext. 3368 or jthompson@cobbt.org .