Dental Insurance

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Finding the Right Dental Coverage in Tennessee
Bad oral hygiene and a lack of dental care can cause much larger health problems, including gum disease, tooth loss and even heart disease. Because of the high cost of dental work and the importance of good oral health, dental coverage is one of the best investments a person can make. Unfortunately, many employers do not offer dental insurance, and when they do, the coverage offered is often inadequate.

If you are looking for dental insurance in Tullahoma Tennessee or dental insurance in Middle Tennessee, our experienced insurance agents at Lester, Greene, McCord and Thoma can help. We will help you to assess your dental needs and determine what kind of plan is right for you and your loved ones.

There are several different types of dental plans in Tennessee, but they can be broadly categorized into three distinct types:

• Preferred Provider Organizations (PPOs): PPOs are a type of insurance plan that favors certain doctors. If your doctor is not within the plan’s network of preferred providers, there is a good chance you will be forced to either pay a fee or change doctors.
• Exclusive Provider Organizations (EPOs): EPOs are like PPOs in that they prefer certain hospitals and providers. EPOs, however, typically have a smaller network and fewer options from which to choose. A benefit of this limited selection, though, is that a smaller network often allows EPOs to be more affordable.
• Indemnity: Indemnity plans can be thought of as a rebate. Holders of these types of policies pay the cost of dental services up front and submit the bill to the insurance company afterward. While this does mean that you’ll be paying more out of pocket, these plans can give you a much wider range of options than PPOs or EPOs

With so many types and plans, choosing your dental coverage can be overwhelming, but you do not have to do it alone. Whether you are seeking individual dental insurance or group dental insurance for the whole family, we are waiting to help you explore your options and find the right plan at the most affordable cost.

Contact Lester, Greene, McCord and Thoma Insurance today!

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This content represents only brief statements that relate to coverages. Please consult your independent agent for specific coverages, conditions and exclusions, as well as information about other fine products from Lester, Greene, McCord and Thoma Insurance.

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