Hummingbird Insurance has several options for dental coverage, including some not listed below. Please ask us for anything that you don't see.
Spirit Dental offers immediate coverages, including implants, and calendar-year building benefits. That is, 'Year 2' begins the very next January 1st (2018 currently). Benefits and the network are administered by Ameritas Dental, the 2nd largest network nationally.
Cigna Dental has affordable PPO ('go where you want') plans for individuals and families.
All plans include cleanings 2x per year and have an annual deductible.
Standard waiting periods of 0, 6 and 12 months apply without prior coverage.
Annual benefit limits of $1,000 or $1,500 per person.
Effective dates are the 1st of each month.
Orthodontia is covered; implants are not.
Ameritas boasts the 2nd largest dental network nationally, has 9 different individual/family plan options, and includes vision benefits (on the VSP network) within several plans.
Standard waiting periods apply without prior coverage.
Cleanings are 1x or 2x per year, depending on plan
Delta Dental of NC boasts the largest network nationally.
There are 3 plan options available, starting at $17.45/mo in WNC for an individual.
Plan information is available in this brochure or at DeltaDentalNC.com, though Delta still to this day requires a paper application - we are Agency #N081. Please email us the completed paper application to enroll in Delta Dental of NC.
Each carrier's benefits department is knowledgable to the specific benefits of each policy.
Please contact us if you have any trouble getting the information you need.
Each carrier has an extensive list of participating providers. Visiting a participating provider may help to reduce your out-of-pocket expenses. However if you choose to see a dentist who is not a participating provider or is out-of-network, you still may be eligible for partial reimbursement.
Here at Hummingbird Insurance, we specialize in working with the Affordable Care Act (ACA) for those under age 65, Medicare and its myriad of options for those over age 65, and the new healthcare reform landscape for everyone, by:
(1) Helping individuals and families whom are eligible for tax credit subsidies save money on the Health Insurance Marketplace, or healthcare.gov
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(2) Offering free consultations to employers and businesses in analyzing the best options and decision for their unique situation. We will find the right coverage for your employees and their families, and at the right premiums for everybody.
Insurance for individuals, families and employers. We specialize in employee benefits, Medicare, health, dental, vision, life & disability
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Products from Blue Cross and Blue Shield of North Carolina® (BCBSNC) are only available to North Carolina residents and employers.
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