Meridian Health Insurance is a provider of affordable health insurance coverage to individuals, families, and small businesses. The company offers a wide range of health insurance plans, including dental coverage. In this article, we’ll explore the specifics of Meridian Health Insurance dental coverage, so you can make an informed decision about your health insurance.
What Types of Dental Coverage Does Meridian Health Insurance Offer?
Meridian Health Insurance offers a variety of dental coverage plans, including Preventive Care, Basic Services, Major Services, Orthodontia, and Out-of-Network coverage. Preventive Care covers services such as regular cleanings and exams, as well as X-rays. Basic Services coverage includes fillings, extractions, and periodontal maintenance. Major Services coverage includes bridges, crowns, and root canals. Orthodontia coverage is available for children and adults, and Out-of-Network coverage covers care from dentists who are not in the Meridian Health Insurance network.
What Are the Deductibles and Copayments for Dental Coverage?
The deductible for Meridian Health Insurance dental coverage varies depending on the plan selected. However, most plans have an annual deductible of $50 for individuals and $100 for families. Copayments also vary depending on the plan chosen, but most plans have copayments of $20 for preventive care, $40 for basic services, and $60 for major services.
How Does Meridian Health Insurance Cover Orthodontia?
Meridian Health Insurance provides coverage for orthodontic care, including braces and other orthodontic treatments. Coverage is available for both children and adults, and the amount of coverage varies depending on the plan selected. Most plans will cover up to 50% of the cost of orthodontic treatments, and some plans may even cover up to 100% of the cost.
How Does Meridian Health Insurance Cover Out-of-Network Dental Care?
If you need to see a dentist who is not in the Meridian Health Insurance network, you may be able to receive coverage for your care. However, out-of-network coverage has certain limitations. Generally, out-of-network coverage will cover up to 80% of the cost of care, with the remaining 20% being the patient’s responsibility. Additionally, out-of-network coverage may not cover certain treatments, such as orthodontia.
What Other Benefits Does Meridian Health Insurance Offer?
In addition to dental coverage, Meridian Health Insurance offers a variety of other benefits, including prescription drug coverage, vision coverage, and coverage for mental health services. Additionally, Meridian Health Insurance offers health savings accounts (HSAs) and flexible spending accounts (FSAs). These accounts allow you to set aside pre-tax money to be used for medical expenses.
Frequently Asked Questions
Q: Does Meridian Health Insurance Cover Dental Care?
A: Yes, Meridian Health Insurance offers a variety of dental coverage plans that cover preventive care, basic services, major services, orthodontia, and out-of-network dental care.
Q: What Are the Deductibles and Copayments for Dental Coverage?
A: Most plans have an annual deductible of $50 for individuals and $100 for families. Copayments vary depending on the plan chosen, but most plans have copayments of $20 for preventive care, $40 for basic services, and $60 for major services.
Q: Does Meridian Health Insurance Cover Orthodontia?
A: Yes, Meridian Health Insurance provides coverage for orthodontic care, including braces and other orthodontic treatments. Coverage is available for both children and adults, and the amount of coverage varies depending on the plan selected.
Q: Does Meridian Health Insurance Cover Out-of-Network Dental Care?
A: Yes, out-of-network coverage is available for care from dentists who are not in the Meridian Health Insurance network. However, out-of-network coverage has certain limitations. Generally, out-of-network coverage will cover up to 80% of the cost of care, with the remaining 20% being the patient’s responsibility.
Q: What Other Benefits Does Meridian Health Insurance Offer?
A: In addition to dental coverage, Meridian Health Insurance offers a variety of other benefits, including prescription drug coverage, vision coverage, and coverage for mental health services. Additionally, Meridian Health Insurance offers health savings accounts (HSAs) and flexible spending accounts (FSAs).
Q: Does Meridian Health Insurance Cover Cosmetic Dentistry?
A: No, Meridian Health Insurance does not cover cosmetic dentistry procedures, such as teeth whitening or veneers.
Q: Is There a Waiting Period for Dental Coverage?
A: Yes, most plans have a waiting period of 12 months before coverage begins.
Q: What Is the Maximum Annual Benefit for Dental Coverage?
A: The maximum annual benefit varies depending on the plan selected, but most plans have a maximum benefit of $1,000 per year.
Q: How Does Meridian Health Insurance Cover Out-of-Network Dental Care?
A: Out-of-network coverage is available for care from dentists who are not in the Meridian Health Insurance network. Generally, out-of-network coverage will cover up to 80% of the cost of care, with the remaining 20% being the patient’s responsibility.