Dental Insurance
Dental Insurance
There’s Always a Reason to Smile, So Protect Yours in South Carolina, Georgia, Florida, and Beyond!
At Fika Insurance Group, we're here to help you find the perfect dental insurance plan tailored to your needs, whether you're in Greenwood, South Carolina or anywhere in Georgia, Florida, and the other states we serve. Whether you're looking for coverage for regular check-ups, more extensive procedures, or anything in between, we have options designed to fit your lifestyle and budget.
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Serving South Carolina, Georgia, Florida, and Beyond
At Fika Insurance Group, we’re committed to helping families across South Carolina, Georgia, Florida, and other states find the best dental insurance plan to suit their needs. Protect your smile with coverage that gives you peace of mind.
Whole-Body Health
Practicing daily oral hygiene and working with your dentist not only keeps your mouth healthy but also contributes significantly to your overall well-being. Regular dental care is a key component of maintaining a healthy body.
Affordable Dental Coverage
Good dental health doesn’t have to be expensive. At Fika Insurance Group, we offer affordable dental insurance plans that can provide coverage for just pennies a day. Get the protection you need without breaking the bank.
Individualized Assistance
Feeling confused or overwhelmed? A licensed professional at Fika Insurance Group is ready to help. We’ll recommend the best dental insurance options tailored to your specific situation and budget, ensuring you get the coverage that’s right for you.
Routine Dental Care
A good dental policy will generally cover some, if not all, of the costs associated with routine care. This includes services such as oral exams, x-rays, cleanings, and even some fillings, helping you maintain your dental health with ease.
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Dental Insurance Coverage Types
When it comes to dental insurance, there are several factors to consider as you choose the plan that best suits your needs. Each type of plan offers different benefits, so understanding your options is crucial. The types of plans to choose from include:
Preferred Provider Organization (DPPO):
This type of dental plan offers members lower out-of-pocket costs when they use in-network providers, although individuals can choose out-of-network providers if they prefer. Typically, this plan includes a co-payment, and members need to reach a yearly deductible. DPPO plans often come with a maximum coverage limit.
Dental Health Maintenance Organization (DHMO):
A DHMO is a prepaid dental plan that usually has no deductible or maximum. Instead, members pay a co-payment for certain procedures, while other services may have no out-of-pocket costs. DHMOs are known for offering predictable costs for dental care.
Dental Indemnity Plans:
Also known as "traditional insurance" or "Fee-For-Service Plans," indemnity dental plans allow members to visit any dentist they choose. The insurance company reimburses members based on the procedures performed, usually as a percentage of the charges. This type of plan offers flexibility but may have higher out-of-pocket costs.
Exclusive Provider Organization (EPO):
EPO plans require members to use only participating dentists within a specified network to be reimbursed. These plans limit subscribers’ choice of dentists and can significantly reduce access to care if out-of-network dentists are not an option.
Discount Plans:
Discount plans, sometimes called referral plans, are not technically insurance. Instead, the plan provider contracts with a network of dentists to offer services at a reduced rate. Members receive discounted dental fees from these contracted providers, but they must cover 100% of the cost themselves.
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