Everything You Need to Know About Lincoln Financial Dental Insurance

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Oral health is paramount for overall well-being, and dental insurance helps people to afford routine check-ups, cleanings, and other necessary treatments. For millions of Americans, Lincoln Financial dental insurance is a top choice, offering comprehensive coverage at affordable rates. In this article, we’ll discuss the ins and outs of Lincoln Financial dental insurance, including its features, benefits, eligibility criteria, and frequently asked questions.

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What Is Lincoln Financial Dental Insurance?

Lincoln Financial dental insurance is a type of dental insurance offered by Lincoln Financial Group, a renowned financial services company based in Radnor, Pennsylvania. The insurance plan provides coverage for a wide range of dental procedures, including preventive care, restorative care, and orthodontics. The primary aim of the plan is to help individuals and families save on their dental expenses and maintain good oral health.

There are two types of Lincoln Financial dental insurance plans available – the PPO plan and the Premier plan. The PPO plan allows you to choose your dentist from a network of over 130,000 providers across the country, while the Premier plan gives you the freedom to see any licensed dentist.

Features and Benefits of Lincoln Financial Dental Insurance

Here are some of the key features and benefits of Lincoln Financial dental insurance:

Features/Benefits
Description
Comprehensive Coverage
The plan covers a variety of dental services, including cleanings, exams, fillings, root canals, extractions, crowns, bridges, dentures, and orthodontics.
No Waiting Periods
There are no waiting periods for preventive services, and only a six-month waiting period for major services.
Low Deductibles
The deductibles are low, ranging from $25 to $100 per person per year.
No Annual Maximums
There are no annual maximums or limits on benefits, which means you can use your coverage as much as you need to.
Large Network of Providers
The PPO plan has a network of over 130,000 providers across the country, while the Premier plan allows you to see any licensed dentist.
Discount Programs
Lincoln Financial offers discount programs for vision care, hearing care, and prescription drugs.

Who Is Eligible for Lincoln Financial Dental Insurance?

Lincoln Financial dental insurance is available to individuals and families throughout the United States. You can enroll in the plan if you meet the following eligibility criteria:

  • You must be a U.S. citizen or a legal resident
  • You must not be covered under any other dental insurance plan
  • You must be willing to pay the monthly premiums and any applicable deductibles and co-payments

Employers can also offer Lincoln Financial dental insurance as part of their employee benefits package. In this case, eligibility may vary depending on the employer’s policies and requirements.

How to Enroll in Lincoln Financial Dental Insurance?

You can enroll in Lincoln Financial dental insurance by following these simple steps:

  1. Visit the Lincoln Financial website and select the dental insurance option
  2. Provide your personal information, such as your name, address, and contact details
  3. Select the plan that best suits your needs
  4. Provide information about your eligible dependents, if any
  5. Agree to the terms and conditions and pay the first premium

Once your application is processed, you will receive your dental insurance card and other relevant documents in the mail. You can then schedule your first dental appointment and start using your coverage.

Frequently Asked Questions (FAQ)

What is the difference between the PPO and Premier plans?

The PPO plan has a network of over 130,000 providers across the country, while the Premier plan allows you to see any licensed dentist. The PPO plan may be more affordable for those who are willing to choose a provider within the network, while the Premier plan offers more flexibility in terms of provider choice.

How much does Lincoln Financial dental insurance cost?

The cost of Lincoln Financial dental insurance varies depending on several factors, such as your age, location, and chosen plan. However, the premiums are generally affordable and start from as low as $19 per month.

What services are covered under Lincoln Financial dental insurance?

Lincoln Financial dental insurance covers a wide range of dental procedures, including preventive care, restorative care, and orthodontics. Some of the covered services include cleanings, exams, fillings, root canals, extractions, crowns, bridges, dentures, and braces.

Can I use my Lincoln Financial dental insurance for cosmetic dentistry?

No, Lincoln Financial dental insurance does not cover cosmetic dentistry procedures, such as teeth whitening or veneers. It only covers services that are deemed medically necessary for oral health reasons.

What is the claims process for Lincoln Financial dental insurance?

If you visit a network provider, they will file the claim on your behalf, and you will only have to pay the applicable deductibles and co-payments. If you visit an out-of-network provider, you will have to pay the full cost of the service upfront and then submit a claim for reimbursement to Lincoln Financial.

Can I cancel my Lincoln Financial dental insurance?

Yes, you can cancel your Lincoln Financial dental insurance at any time by contacting the company’s customer service. However, you may be subject to penalties or fees if you cancel before the end of the policy term.

Conclusion

Lincoln Financial dental insurance is a popular and reliable option for people who want affordable and comprehensive dental coverage. With its low deductibles, large network of providers, and no annual maximums, the plan offers benefits that can save you money and promote good oral health. If you’re looking for a dental insurance plan that meets your needs, Lincoln Financial may be the right choice.

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