HOME PRODUCTS CONTACT US Individual Dental Insurance Get an instant quote to compare plan coverage, premium and out-of-pocket costs. GET A QUOTE Dental insurance provides a greater level of coverage for preventive care, but can also help with major care like root canals, up to the policy’s annual maximum benefit. The Independence Dental product family includes two plan designs, indemnity and PPO, and three plan levels for each to provide a range of cost-sharing options to fit almost any budget. Independence Dental has two plan designs with a range of cost-sharing options to choose from. Indemnity Copays range from $0 to $20 Calendar-year Deductible: $50 Max. Benefit: $1,000 to $1,500 Coinsurance Rates Preventive Care: 100% Diagnostics: 80-100% Basic Care: 50-80% Major Care: 50% PPO Copays range from $0 to $20 Calendar-year Deductible: $50 Max. Benefit: $1,000 to $1,500 Coinsurance Rates Preventive Care: 80-100% Diagnostics: 80-100% Basic Care: 50-80% Major Care: 50% Independence Dental Plan Features Waiting periods No waiting period for preventive care for all plan levels. No waiting period for diagnostics on some plan levels. Guaranteed-Issue Though services related to some pre-existing conditions like missing teeth and congenital or developmental malformations may be excluded from the policy’s benefits, applicants will not be denied a policy due to these conditions. No Network Restrictions Use the Independence Dental indemnity plan with any service provider Independence Dental PPO can provide additional discounts for using in-network providers, but will still provide coverage up to the maximum allowable charge for out-of-network charges Available for ages 18-99 The primary applicant must be age 18 to 99 years old. Dependent children under the age of 26 may be included on the plan. Child-only plans are not available Benefits Range from $1,000 to $1,500 per covered person, per calendar year Flexibility to choose from PPO or Indemnity options Sample Policy Limitations + Exclusions 6-month waiting period for basic care and 12-month waiting period for major care, varies by state Expenses must be medically necessary and incurred while the plan is in force There is an extended list of dental services and charges that are excluded from coverage, including things like cosmetic surgery, implants, prosthodontics, and orthodontia Not all Independence Dental plans or combination of benefits are available in all states Check the product brochure for a list of exclusions. Who May Want a Dental Policy? People enrolled in an ACA major medical policy that doesn’t include embedded dental benefits. Those without access to an employer’s benefits: the unemployed, entrepreneurs or independent contractors Retirees and those on Medicare (the federal Medicare program does not currently cover routine dental care).[1] People that are utilizing a combination of limited-benefit and/or supplemental insurance options to provide their health coverage instead of an ACA-qualifying major medical plan Download the Independence Dental Brochure. Work With IAIC Fill out this short form or email start@ihcgroup.com to get started First Name Last Name Email Address Phone Number ZIP Code SEND REQUEST Product Disclaimer This page provides a very brief description of the important features of Independence Dental. Therefore, it is important that you READ THE CERTIFICATE OR POLICY CAREFULLY. For complete details, refer to the Individual Dental Policy, Policy form number (IAIC IDEN POL 0414 – varies by state). [1] Oral Health for Older Americans. Centers for Disease Control and Prevention. Retrieved 22 August 2019, from https://www.cdc.gov/oralhealth/basics/adult-oral-health/adult_older.htm WHO WE ARE Independence American is licensed in all 50 states and its products include short-term medical, hospital indemnity, fixed indemnity limited benefit, group and individual dental, and pet insurance. PRODUCTS Connect Series Short-Term Medical Independence Dental Metal Gap 2 Independence Hospital Insurance Plus Independence Hospital Insurance Individual Vision + Hearing Insurance COMPANY Contact Us Terms & Conditions Privacy Policy HIPAA Privacy Notice California Privacy © Copyright 2021 Independence American Insurance Company, All Right Reserved. CN: 2019-0239