DentalQUICK FAQ

Frequently Asked Questions

Why should I get individual dental insurance?

There are those who are self-employed, unemployed, retired, or may be changing careers. Dental plans are also usually provided by the workplace, but they are disappearing as employers are trying to cope with rising health costs.

Many employers have stopped offering dental to their employees, or offer plans with low benefits or discount cards. Millions of Americans and their families are losing their access to group plans, and more and more are turning to individual dental plans.

What does it cover?

The recommended DentalQUICK Level 3 Coverage immediately covers up to $1,500 per insured per calendar year based upon a fee schedule. Preventative benefit of $75 per insured twice a year (150 days apart required). Also included is a $500 benefit for TMJ once the policy has been active for 24 months.

What is the deductible?

The plan has a $0 deductible.

When is it effective?

As soon as the same day if received and verified by 2pm CST week days. Applications received after 2 pm will be valid the next business day. 28th-31st will be valid on the 1st.

What does it cover for cleanings?

The plan pays up to $75 for Preventive care, maximum of 2 visits per year per insured.

What if I have other dental coverage?

This plan pays in addition to any other plan. VoluntaryMart dental insurance offered by DentalQUICK is exempt from coordination of benefits limitations (Texas Insurance Code - Section 1203.002). This means you do not list it as secondary insurance when filing with other dental plans.

Where can I use DentalQUICK?

VoluntaryMart Dental Insurance offered by DentalQUICK is insurance coverage you can use at any dentist. You can go to any dentist you choose. Dentists do not have to join a network, and there are no negotiated fees.

There is no waiting period and coverage limits increase over time. Cleanings are covered. There are no credit checks or deductibles. Coverage can start as soon as the same day, if received and verified by 2pm CST week days. Applications received after 2 pm will be valid the next business day.

Can I cover just my child?

No, one adult member must be on the plan.

Why are there different premium rates based upon my home zip code?

The plan pays higher dental benefit fees in more expensive areas of the state.

What will it pay for my dental work?

Refer to Benefit Planner or ask one of our Featured Dentists.

What about those Dental Discount Cards and Plans?

Dental plans work by convincing certain dentists to reduce their costs for plan members. Dental plan companies offer referrals to certain dentists. In exchange, dentists lower their costs for the patients who are referred to them by a plan company. You must first find a dentist that is contracted by these plans, and then you have to be prepared for what is not covered under the negotiated fees.

With discount plans your benefits never increase. You are still expected to pay for your visit up front, and may have to wait for your insurance to start. You pay the discounted price, but this can still leave you stuck if something really bad happens. If you are planning on buying a dental discount plan, it's very important to read the fine print.

What if I'm a dentist needing more info?

If you're a dentist looking for more information about VoluntaryMart through DentalQUICK, visit www.paymydentist.com.