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  • Home
  • About Us
    • Meet our Team
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement​
    • Blog
    • News
  • Service
    • Report a Claim
    • Make a Payment
    • Policy Review
    • Update Contact Info
    • Life Insurance Application
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Request a Free Consultation
  • Individual
    • Life Insurance >
      • Term Life Insurance
      • Whole Life Insurance
      • Final Expense Insurance
      • Individual Life Insurance
    • Medicare Supplemental
    • Financial Planning
    • 529 Plan Alternatives
    • Social Security
    • Disability Income Insurance
    • Annuities
    • Health Insurance
    • Property & Casualty >
      • Auto Insurance
      • Boating Insurance
      • Home Insurance
      • Motorcycle Insurance
      • Renters Insurance
      • Umbrella Insurance
      • RV Insurance
    • Long Term Care Insurance
  • Business
    • Life Insurance Options for Businesses
    • Disability Insurance Options for Businesses
    • Group Benefits
    • Medicare Educational Seminar
    • Social Security Educational Seminar
    • Property & Casualty >
      • Auto Dealers Insurance
      • Business Liability Insurance
      • Commercial Auto Insurance
      • Commercial Property Insurance
      • Landlord Liability Insurance
      • Restaurant Insurance
      • Workers Compensation Insurance
    • Group Health Insurance
    • Group Life Insurance
    • Executive Plans
    • E&O Insurance
  • Contact Us
    • Schedule Appointment
    • Location & Contact Information
    • Careers


Dental Insurance

Let us help you navigate your options for dental insurance and we'll make sure your family or group is appropriately covered at the most affordable rate.

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What is Dental Insurance?

Dental insurance is designed to pay a portion of the costs associated with dental care. Generally dental offices have a fee schedule, or a list of prices for the dental services or procedures they offer.

Typical Types of Dental Insurance

Indemnity Dental Insurance Plan: 
This plan may be helpful when you want to stay with your dentist and he/she does not participate in a dental network. By the very nature of this plan the insurance company generally pays the dentist a percentage of your services according to the policy you purchased. In addition you will want to review the co-payment requirements, waiting periods, stated deductible, annual limitations, graduated percentage scales based on the type of procedure and/or length of time you have owned the policy prior to starting your dental work.

Dental Health Managed Organization (DHMO): 
When a dentist signs a contract with a dental insurance company that provider agrees to accept an insurance fee schedule and give their customers a reduced cost for services as an In-Network Provider. Many DHMO insurance plans have little or no waiting periods, no annual maximum benefit limitations, while covering major dental work near the start of the policy period. This plan is sometimes purchased to help defray the high cost of the dental procedures. Some dental insurance plans offer free semi-annual preventative treatment. Fillings, crowns, implants and dentures may have various limitations.

Participating Provider Network (PPO): 
Depending on your specific plan, the PPO works similar to a DHMO while using an In-Network facility. However, it allows you to use an Out-of-Network or Non-Participating Provider. Any difference of fees will become the financial responsibility of the patient unless otherwise specified in your dental policy. As noted, some dental insurance plans may have an annual maximum benefit limit. Thus, once the annual maximum benefit is exhausted any additional treatments may become the patient's responsibility. Each year that annual maximum is reissued. The reissued date may vary as a calendar year, company fiscal year, or date of enrollment based on your specific plan.

Contact us to learn more about the right dental insurance for you!

Dental Insurance Quote
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Leonard Financial Solutions
49 Revere Avenue
Moorestown NJ 08057​
856-444-LIFE (5433)
info@leonardfs.com

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