USAA Dental Insurance: Everything You Need to Know

Dental insurance is an important component of overall health for many people. Unfortunately, not all insurance plans are created equal. USAA is a respected name within the insurance industry, and they offer a dental insurance plan designed to meet the needs of military members and their families. In this article, we will take an in-depth look at USAA’s dental insurance, including coverage options, benefits, and frequently asked questions.

What is USAA Dental Insurance?

USAA is a financial services company that was founded in 1922 by a group of military officers looking for auto insurance. Today, they offer a wide variety of insurance products, including dental insurance. USAA dental insurance is designed specifically for military members and their families, offering coverage for preventive, basic, and major dental services.

Who is Eligible for USAA Dental Insurance?

USAA dental insurance is available to active, retired, and honorably separated military members and their families. This includes spouses, children, and stepchildren.

What Coverage Options are Available?

USAA offers two dental insurance plans: the Basic Plan and the Premier Plan. The Basic Plan is designed for individuals who want coverage for preventive and basic services, such as cleanings, X-rays, and fillings. The Premier Plan offers more comprehensive coverage, including major services like root canals and crowns.

Both plans offer access to a network of dentists, and members can choose to see an out-of-network provider for an additional cost. The plans also have different deductibles and annual maximums, so it’s important to carefully review the details of each plan before choosing one.

What are the Benefits of USAA Dental Insurance?

One of the biggest benefits of USAA dental insurance is that it’s designed for military members and their families. This means that USAA understands the unique needs and challenges faced by military families, and has designed their dental insurance plan accordingly.

Another benefit is the flexibility offered by USAA’s dental insurance plans. Members can choose between the Basic and Premier plans, and can also choose to see an out-of-network provider if necessary. Additionally, USAA offers a 100% satisfaction guarantee, which means that they will refund your premium if you’re not satisfied with your coverage within the first 30 days.

FAQ

How much does USAA dental insurance cost?

The cost of USAA dental insurance depends on a number of factors, including the plan you choose, your location, and your age. The Basic Plan starts at $24.55 per month for individuals, and the Premier Plan starts at $36.54 per month for individuals.

Is there a waiting period for coverage?

Yes, there is a waiting period for coverage. For the Basic Plan, the waiting period for major services is 12 months, and for the Premier Plan, the waiting period is six months. However, there is no waiting period for preventive and basic services.

Can I choose my own dentist?

Yes, members can choose their own dentist. USAA has a network of dentists, but members can also choose to see an out-of-network provider for an additional cost.

How do I enroll in USAA dental insurance?

Enrolling in USAA dental insurance is easy. Members can enroll online or by phone, and coverage begins on the first day of the following month after enrollment.

Can I cancel my coverage at any time?

Yes, members can cancel their coverage at any time. If you cancel within the first 30 days, you will receive a full refund of your premium. After the first 30 days, your premium may be prorated based on the date of cancellation.

Conclusion

USAA dental insurance is a great option for military members and their families who want comprehensive dental coverage at an affordable price. With two plan options, a network of dentists, and a 100% satisfaction guarantee, USAA is committed to providing quality dental insurance to its members. If you’re in the market for dental insurance, be sure to consider USAA.