Dental Insurance from First Benefits

For Individual or family dental - Click Here!

For Group Dental Plans Read on...

Introducing First Dental Group Plans

First Dental Plans are based on "dollars spent" rather than "procedures" performed, for groups of 2 or more

Any Dentist (no network)
No claim problems
Best Orthodontia coverage (twice the annual maximum!)
No underpayments by the insurance company
Easy administration
LOW PREMIUMS!

Plan Coverage for $1500 First Dental Plan:

First Dental pays 100% of the first $100
0% of the next $50
80% of the next $250
50% of the next $2400
For an annual maximum benefit of $1500 per person.

Estimated Premiums per month*:

Employee = $18.84
Employee + 1 = $36.59
Employee + 2 or more = $57.83

* Based on 75% participation in an Area A, and groups over 51. Smaller groups are slightly higher.

Plan $1500 Example (See our $750 First Dental Plan below) :

Dental Expense for any procedure	First Dental Share	Employee Share	Paid Benefit	Employee Out-of Pocket

$100.00	100%	0%	$100.00	$0.00
$50.00	0%	100%	$0.00	$50.00
$250.00	80%	20%	$200.00	$50.00
$2400.00	50%	50%	$1200.00	$1200.00

Quotes will vary and may be lower. For actual rates, please Request A Dental Proposal for your Group!

First Dental Plan Comparison with Traditional Plans

Features	First Dental Plans	Other Plans
Can the plan deny part of the billed charge or pay less than the Dentist's charges?	No. Dental Charges are never adjusted. Plan always pays based on the reimbursement Schedule.	Yes. Plans can deny or reduce dentist's charges and often do!
What are the exclusions?	Cosmetic Dentistry (tooth whitening), Implants and TMJ	Typically a full page of exclusions and limitations to the plan.
Is there a limitation on the number of cleanings allowed per year?	No. Our schedule is for any covered dental procedure. You can have as many cleanings in a year as you want.	Yes. Typically only two cleanings a year, and at least 6 months apart.
Orthodontia for Children included?	Yes. Under age 19. Treatment as any other procedure.	Sometimes, and often an optional benefit at inflated prices.
Lifetime Maximum on Orthodontia?	2 times the maximum elected.	At best, the same as the annual maximum of the elected plan - often less.
Are sealants covered?	Yes. Treated as any other procedure.	Sometimes. Must meet strict guidelines and are often denied.
Is any preauthorization required before dental treatment?	No	Yes
Can you go to any licensed dentist in the US?	Yes	Only with "indemnity" plans. Often must use a non-receptive network.
Can out-of-state employees be covered?	Yes	Sometimes
Are voluntary plans allowed?	Yes, with reasonable participation requirements.	Sometimes

Request more Information about First Dental Plans

For information about our other employee benefits and services click here.

Plan $750 Example:

Plan Coverage: 0% of the first $50, 80% of the next $250, 50% of the next $1100 for an annual maximum benefit of $750 per person.

Dental Expense	First Dental Share	Employee Share:	Paid Benefit	Employee Out-of Pocket

$50.00	0%	100%	$0.00	$50.00
$250.00	80%	20%	$200.00	$50.00
$1100.00	50%	50%	$550.00	$550.00

$1400.00	Totals:		$750.00	$650.00

Estimated Monthly Premiums based on Voluntary Employee Participation, Area A, Rating, 75% participation and groups over 51. Quotes will vary and may be lower! Please Request a Proposal:

Employee = $11.91
Employee + 1 = $22.96
Employee + 2 or more = $35.35

Other First Dental Plans include Plan $2000, $1000 and $500 annual maximum plans.

* Some waiting periods may apply for 6 months for persons without prior coverage. Contact Us for more details.

Contact Us for your Group Dental Proposal

First Name:	*
Last Name:	*
Business Name:
Your Title:
Address 1:	*
Address 2:
City, State, Zip:	* State: * Zip: *
Day Time phone:	*
Email:	*
How Many in your Group? *

Please give any details of the Dental benefits or services you may be seeking:

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