United Security Life and Health Insurance Dental Plan Explained - Dental Jobs Expert

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United Security Life and Health Insurance Dental Plan Explained

Are you planning to get United Security Life and Health Insurance dental plan for you or your family members? We will give you a full explanation about this dental plan, including its lowest premium price, the waiting period, and also the limitations and exclusions.

Dental insurance plan is getting more and more popular, as more and more people realize the importance of good dental hygiene. As we have explained in many of our previous post, your oral health can affect your overall health.

Moreover, having a great smile always boost someone’s moral. Keeping a healthy smile is more than just brushing and flossing. A regular visit to the dentist for regular checkup is also necessary to ensure that there’s no serious problem. Not only that it ensure you have a pearlie white smile, another reason not to skip the dentist visit is because dental procedures are, in general, expensive in United States.

In fact, a standard routine examination and cleaning by a dental hygienist may cost you more than $100 per visit. About 2 out of 5 people in United States don’t have dental insurance, hence the regular checkups are often neglected, until the day when they have a serious problem with their teeth or gum. These procedures can really cost you a lot of money.

Therefore, it would be best to prepare with a dental insurance. This time around let’s discuss about the United Security Life and Health Insurance dental plan, one of the dental plans available for people living in Arizona, Arkansas, Illinois, Indiana, Missouri and Nebraska.

United Security Life and Health Insurance Dental Plan Cost

Below is a table showing the current premium cost for this company’s dental plan.

18-30 $33.09 $29.78
31-40 $36.63 $32.97
41-50 $38.78 $34.90
51-60 $41.87 $37.68
61-64 $47.04 $42.34
Under 18 $25.21 (per child)

As you can see, the cheapest premium for the individual dental plan is $33.09, while the cheapest premium for children dental plan (which are included in the family dental plan) is $25,21.

United Security Life and Health Insurance Dental Plan Waiting Period and Benefits

The dental plan comes with several benefits. Here are some of the notable highlights of the USLHI dental plan:

  1. Guaranteed Issue plan for applicants aged between 18 and 64
  2. Guaranteed Renewable Policy up to age 75 (with on time premium payment requirements)
  3. One time $50 deductible per policy year for all benefits
  4. $1,200 maximum benefit per year
  5. 10% discount for family dental plan and %15 discount if purchased with health plan
  6. Free discount card for prescription drugs (NOTE: this is NOT a prescription co-pay drug card) Waiting Period % Paid

In the table below, you can see the United Security Life and Health Insurance dental plan waiting period. The waiting period starts when your policy is effective.

Waiting Period % Paid
Preventive 30 Days 90%
Basic 6 Months 70%
Major 12 Months 50%

Do note that the maximum payment allowed is equal to your annual policy maximum per person.

United Security Life and Health Insurance Dental Plan Limitations and Exclusions

Just like many other dental insurance, there are limitations and exclusions for this dental plan insurance. You need to learn these limitations before you sign up with them. Here you go:

  1. The company doesn’t cover benefits for any dental procedure BEFORE the waiting period ends. That means you HAVE to wait 30 days for preventive procedures, 6 months for basic dental procedures, and a year for major dental procedures.
  2. The company doesn’t cover benefits of any damage or loss due to war, self inflicted injury, or during your attempt of committing a felony or other illegal activities.
  3. Any expense which payment is provided under Medicare
  4. Any experimental or investigational procedure or treatment
  5. Orthodontic treatment
  6. Treatment outside United States
  7. Cosmetic procedures
  8. Prescription drugs
  9. Etc.

For the complete list of limitation, you can visit our reference page for the complete information from the official United Security Life and Health Insurance dental plan.

Reference: http://www.unitedsecuritylandh.com/

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