"Michael, I want to express my appreciation for your honest, simple approach to explaining my insurance options. Your advice proved to be right on. You were always available when I needed help. Thank you!" - Kelly E.

Many Arizona dental insurance plans contain what are called a “yearly maximum” the most money a plan will pay out during one full year. On the average, the yearly maximum is $1000 per year. If you have any Arizona dental insurance unused benefits at the end of the policy year, they do not roll over into the next year. Most Arizona dental insurance plans have their own participating and contracted In-Network dentists. Michael Higgins Insurance suggests that you check with your regular dentist to see if they belong to the Arizona dental insurance plan you are considering.
All Arizona dental insurance companies have fee guides covering Usual, Customary and Reasonable procedures. This means that the Arizona dental insurance company sets the price for every dental procedure they cover. Even if the participating dentist charges more for that procedure to other patients you should not be charged the difference between these two prices.
Arizona dental insurance companies usually categorize dental procedures into three different areas, preventative, basic or restorative, and major. Carefully read the company’s Arizona dental insurance policy to understand which dental procedures fall under each specific category.
Just as there are guidelines in Arizona health insurance plans governing exclusion periods for certain pre-existing conditions, most Arizona dental insurance plans likewise have waiting times for certain procedures.
Before selecting an Arizona dental insurance policy, ask if the Arizona dental insurance policy you are considering includes a “missing tooth clause” and/or a “replacement clause” and how such clauses would affect your needs. In most cases Arizona dental insurance is not intended to provide the comprehensive coverage one looks for in Arizona medical health insurance plans.