Help Me Choose a Plan

Whether you need a basic adult plan to cover preventive dental needs or a mix of family coverage with higher maximum benefits, you can rest assured that our plans will help keep you smiling. And our large, national dental network saves you money on services from participating providers. Use our helpful tips to choose the right dental plan for you.

Tips for Choosing a Starmount Dental Plan

1. Identify your dental care needs.

Is it likely that you or a covered family member will...

  • only require preventive services like exams and cleanings?
  • require basic services like fillings or simple extractions?
  • require major services like root canals, oral surgery, crowns, bridges or dentures?

2. Review the types of dental plans we offer.

Dental Preferred Provider Organization (PPO) Plans—Dental PPO plans are the most popular type of plans today. With a Dental PPO plan, you will have access to a network of providers who have agreed to accept negotiated, discounted rates for their services. With a PPO, there is an annual maximum and a deductible that will need to be met. When you visit an in-network dentist or specialist, most plans cover your preventive services in full; however, depending on the specific plan you select, other services may be covered up to a certain percentage (coinsurance) of the network-negotiated discount rates.

The plan allows you to visit any dentist you choose and still receive coverage for services. If you visit an out-of-network dentist, benefits are paid based on the network-negotiated rate and you will be billed for any remaining amount up to the billed charge.

As an added bonus, all our Dental plans include a Hearing Savings Plan at no additional cost.

Fee Schedule Plans—Fee schedule plans pay for covered services based on a scheduled reimbursement amount per procedure. With a fee schedule plan, there is an annual maximum and a deductible that will need to be met.

The plan allows you to visit any dentist and receive coverage for services. You will be responsible for the cost difference between the dentist's rate and the schedule amount. Typically you will have the lowest out-of-pocket costs when you use one of the dentists or specialists in our network. As an added bonus, all our dental plans include a Hearing Savings Plan at no additional cost.

Cleaning Only Plans—Cleaning Only plans pay a certain percentage of two annual exams and cleanings. With the Cleaning Only plan, there is an annual maximum, but no waiting periods or deductible. The plan allows you to visit any dentist you choose and still receive coverage for covered services. Typically you will have the lowest out-of-pocket costs when you use one of the dentists or specialist in our network.

As an added bonus, our Cleaning Only plan also includes a comprehensive, fully insured vision plan and a Hearing Savings Plan at no additional cost.

3. Compare the dental plan coverage and evaluate the available dental plans based on your needs

Consider the following key areas during your evaluation:

  • Procedures and services covered. Make sure that the category of service (preventive, basic, major) covers the care that you predict you or your family will need in the future. Consider the out-of-pocket cost for procedures that your family may need that are not covered when you compare it to a plan that covers the procedures.
  • Costs. Premiums are a portion of the costs associated with dental insurance. If a plan has a deductible, that amount must be paid before Starmount pays any of the incurred fees. Preventive care services are available without having to meet a deductible. Preventive care is also a great way to reduce the likelihood of more expensive treatment in the future. Finally, if your expenses exceed the annual maximum, you will be responsible for the remaining amount.
  • Waiting periods. While there is no waiting period for preventive or basic services, there is a waiting period for major services like root canals and oral surgery. (Waiting periods may vary by state.)

4. Evaluate the network.

With our plans, you have the flexibility to choose any dentist for procedures and services. You can maximize your savings by using one of our in-network providers. Review our Network Providers to locate your current dentist or to choose a new dentist who is in network and offers the dental care you and your family need.




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