Encore Dental Insurance
Dental Protection Exactly the Way You Need It
Encore Dental Insurance is a dental insurance program offered by Stonebridge Life Insurance Company, a company that has been providing insurance services and prompt claims for consumers for more than 4 years now.
Satisfied customers give the company excellent ratings in most reviews. Stonebridge Life Insurance is part of the AEGON company, which is one of the largest insurance organizations in the world. Its dental insurance branch is the Encore Dental program.
You can do a quick search from their database to choose a dentist then start receiving discounted dental care immediately.
What are Your Options
Your options from Encore Dental include:
- Standard Dental Plan A
- Standard Dental Plan B
- 1-2-3 Dental Insurance Plan
- Supplemental Dental Insurance Plan
1. The Encore Standard Dental Plan A
The Encore Standard Dental Insurance Plan A is ideal for families and provides 100% coverage for diagnostic services such as checkups and x-rays as well as preventative services such as cleanings.
And for basic dental work such as fillings, restorative services, and others, you get 50% coverage. After 12 months upon enrollment, you also get additional 50% coverage on crowns, root canals, periodontics, denture and bridges repairs, full and partial dentures, among others. This plan allows you to chosoe your own dentist or to choose among the 80,000 dentists participating in the Encore Dental network.
The plan also offers dental insurance for children. Child coverage is applicable until children aged 19 and below. In some areas, however, the child coverage can apply to children or even grandchildren aged under 26 as long as they are unmarried. Child coverage offers additional benefits such as sealants and fluoride treatments. This means you get complete oral care for the entire family and significant savings.
2. Standard Dental Plan B
The Standard Plan B dental coverage offers 50% coverage for all preventative and diagnostic dental services as well as basic dental services.
The same additional 50% coverage is provided after twelve months of membership. And instead of the annual maximum benefit of $1000 of the Plan A, Plan B offers a maximum of $850. The same child coverage rules apply.
Both the plan A and the plan B are available at a 30-day Review Period with a 100% money-back guarantee. Take note, however, that if you cancel the coverage after the review period, any succeeding application you make within one year of your cancellation may be declined. But the large number of satisfied consumers of Encore Dental Insurance is enough assurance that you will most likely find excellent dental services from Encore.
3. 1-2-3 Encore Dental Insurance Plan
You can also avail of the 1-2-3 Insurance Plan, a unique offer that gives you instant access, with absolutely no waiting period, to all dental services, including major procedures.
This means dental health care, especially when you need it the most, is as easy as 1-2-3. Upon sign up, you can immediately enjoy coverage for all dental services you may need. Preventative and diagnostic services are offered 100% in coverage from the time of enrollment.
During the first year, you get 20% instant coverage on all basic dental services and 15% on all major dental services such as crowns, dentures, bridges, and many others. During the second year, the coverage will increase to 40% and 30% respectively. And if you reach your third year, you get 80% and 50% coverage, respectively.
4. Supplemental Dental Insurance Plan
The Encore insurance program also offers a special insurance plan for families or consumers who already have existing dental coverage but one that is not enough for their needs.
Since your primary coverage can already cut your dental insurance costs, the supplemental insurance plan from Encore Dental can practically eliminate your out-of-pocket expenses.
During your first year, you get 50% additional dental coverage on all basic dental services and major dental services. However, there is a 6-month waiting period for all major dental services. The annual deductible for both basic and major services is $50 for each individual insured.
Finding Encore Dental Plan Dentists
Encore allows you to choose your own dentist. Although it has a dental network, you can choose a dentist within the network or outside.
Just take note of the differences in your savings when you choose an in-network dentist instead of an out-of-network one. If you want to look for in-network dentists, you can search via the Encore Dental insurance website.
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