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Choosing the Right Dental Insurance Coverage for Your Needs

Get Free Quotes and Expert Assistance for Dental Insurance Plans.

Coverage Options Across States and Carriers

We offer dental, vision, hearing, and dental implant coverage through top carriers, including:
Aetna, Anthem, BlueCross BlueShield, Cigna, GTL (Guarantee Trust Life Insurance Company), Humana, Mutual of Omaha, NCD by MetLife, Physicians Mutual, and UnitedHealthcare.

Coverage is available in multiple states, including:
Alabama, Arizona, Arkansas, California, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington D.C., and Wisconsin.
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Dental

Common Dental Procedures

Many people find dental visits intimidating due to unfamiliar sounds and equipment. Knowing what to expect can help ease concerns. Here are some of the most common dental procedures:

1 – Teeth Cleanings

Routine cleanings, recommended every six months or annually, help maintain good oral health and remove plaque more effectively than regular brushing.

2 – Teeth Whitening

Professional whitening offers quicker, safer results compared to at-home kits by using advanced hydrogen peroxide gels and specialized lighting.

3 – Extractions

Removing a tooth can sound overwhelming, but dentists ensure patient comfort using numbing agents or anesthesia to prevent pain.

4 – Veneers

These thin coverings enhance the appearance of teeth by correcting discoloration and misalignment, providing a natural-looking smile.

5 – Fillings

Cavities can form easily but are quickly treated with fillings, which restore damaged enamel and protect the tooth.

6 – Crowns

For larger cavities, crowns provide long-term protection. Some dental offices offer same-day crowns using advanced imaging technology.

7 – Root Canals

Though often feared, root canals effectively remove infections while preserving the tooth. Patients are numbed throughout the procedure.

8 – Braces/Invisalign

Traditional braces and Invisalign help straighten teeth. Invisalign offers a more discreet option, while braces use metal brackets and wires.

9 – Bonding

A quick procedure where a tooth-colored resin is applied and hardened to repair chips, cracks, or minor damage.

10 – Dentures and Implants

These solutions replace missing teeth, restoring function and aesthetics. The fitting process may take time, but results are long-lasting.

Why Dental Insurance Matters

Having dental coverage ensures access to essential care while reducing out-of-pocket expenses. Without coverage, you may be tempted to skip regular checkups, increasing the risk of costly dental issues.

When selecting a plan, consider different coverage options, such as:

  • PPO (Preferred Provider Organization) – Offers flexibility in choosing providers.
  • HMO (Health Maintenance Organization) – Requires using in-network dentists for lower costs.
  • Indemnity Plans – Allow reimbursement after paying for services.
  • Discount Plans – Provide reduced rates on dental procedures without traditional insurance coverage.

Understanding Dental Insurance Coverage

Dental plans typically fall into two categories: indemnity plans and managed-care plans. The key differences include:

  • Indemnity Plans – Offer a broader provider network but may require upfront payment before reimbursement.
  • Managed-Care Plans – Feature a network of dentists with pre-negotiated rates and direct billing to the insurance provider.

What Does Basic Dental Insurance Cover?

Coverage varies by provider, but most plans include:

  • Preventive & Diagnostic Care – Includes regular cleanings, exams, and X-rays to prevent serious issues.
  • Basic Dental Procedures – Covers fillings, extractions, and minor repairs to maintain oral health.
  • Major Dental Care – Some plans include coverage for surgeries, orthodontics, dentures, and implants.

Since policies differ, reviewing the fine print is essential before purchasing any dental insurance plan.

Easily schedule private and convenient appointments by phone, online, or through a Mobile Zoom Meeting. Get local assistance from an enrolling agent or broker at O’Neal Insurance Group. Whether you're new to Medicare or turning 65, gain a clear understanding of the 2025 plan options. Choose from providers like Aetna, Humana, Devoted, BlueCross BlueShield of Illinois, AARP, UnitedHealthcare, Cigna, Clover Health, Essence HealthCare, KCA, Kelsey Care Medicare Advantage, Scan Health, and Select Health. Services are available in Alabama, Arizona, Illinois, Indiana, Louisiana, Mississippi, Missouri, Nevada, Texas, and Utah.

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O'Neal Insurance Group

Las Vegas NV Chicago IL Medicare Health Plan Specialist Insurance Broker Agency
O’Neal Insurance Group is your local Las Vegas, Nevada, Individual and Family ACA, Obamacare, Dental, Vision, Hospital Indemnity, Critical Illness, ESRD, Cancer insurance, and Medicare health plan specialist broker agency with over 38 years of healthcare experience, licensed and certified, serving over 30 States, including Chicago, Illinois. We provide personal guidance in helping you compare, enroll, and educate you on all your individual and family healthcare options, including Medigap, Med Supplements, Medicare Advantage, and Part D Plan options. You can quote, compare, and enroll online 24 hours a day, 7 days a week, without the help of a pushy salesman at any time from the convenience of your home or office. You can also schedule a phone appointment, one-on-one and online, or a Mobile screen-sharing appointment at a convenient time.
3960 Howard Hughes Parkway
Suite 500 PMB 1939
Las VegasNevada 89169
(702) 763-8924
5113 S. Harper Ave
ChicagoIllinois 60615
(312) 348-7209
2953 Bienville Blvd # 303
Ocean SpringsMississippi 39564
(228) 641-2323
6068 US-98 #1 Suite 228
HattiesburgMississippi 39402
(601) 773-3933
We do not offer all plans available in your area. The information provided is limited to the plans we do offer. For a complete list of options, visit Medicare.gov or call 1-800-MEDICARE. This is a solicitation for insurance.
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