Encore Dental Insurance is a good choice for retired or self-employed individuals. This coverage is offered by Stonebridge Life Insurance Company. Although Encore is fairly new, it has gained many loyal plan members, good reviews and several awards. Applicants between the ages of 18 and 99 are approved without consideration of their prior dental health history. The Encore plans cover preventative, basic and major dental procedures. At an average cost of less than $1 per day, these plans are affordable for all budgets. One of the best things about Encore is that new members can get a refund if they're not satisfied with the services during the first 30 days.
One of the most popular Encore Dental Insurance plans is the 1-2-3 Plan. Named because it's as simple as counting to three, this plan offers instant coverage and no hassles. There is full coverage for all preventative and diagnostic procedures. Whether the services needed are basic or major, a specific percentage of the cost is covered. Another reason behind the plan's name is the three-step plan increase option. For example, members in their first year may have a 20% discount on basic procedures. If they choose to keep the coverage for the second year, the coverage amount rises to 40%. The third year offers 80% coverage. Percentages for major procedures during each year are less than those for basic services.
Encore Dental Insurance offers Plan A, which is one of the most beneficial for families. This option features free diagnostic and preventative care. Regular checkups, cleanings and x-rays are all included in preventative and diagnostic care. This plan is classified as a PPO, so families are welcome to choose the dental providers they want to see. Children who are under the age of 19 are given special coverage. Plan A offers a 50% discount for fillings, crowns, restorative procedures, root canals, dentures and bridges. Families must wait one year after enrolment to enjoy these discounts. There is also a $1,000 maximum annual benefit amount.
Plan B from Encore Dental Insurance is best for families with lighter dental needs. This plan has an $850 annual maximum benefit amount. The same types of procedures as those covered in Plan A are also covered in Plan B. The same coverage for children is also offered. However, instead of receiving full coverage for basic and preventative services, families must pay 50% of the cost. The coverage percentage for other procedures may also be smaller. Families whose teeth are fairly healthy generally benefit best from this Encore Dental Insurance plan.