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Secure Dental One Insurance for dental treatment, Secure DentalOne Insurance reviews and experiences for dental treatment


Secure DentalOne Insurance
Secure DentalOne Insurance - Buy Online
Secure DentalOne Insurance Secure DentalOne Insurance

Secure DentalOne offers you access to high quality, affordable dental coverage for your entire family. Coverage is provided for preventive, basic and major dental services per insured person.

Secure DentalOne Features:


  • Freedom to choose any Dentist
  • Choice of $750, $1,000 or $1,500 calendar year maximum per insured person
  • No waiting periods
  • Eligible for ages 18 years through 64 and older
  • 12 month rate guarantee
  • Benefits for preventive, basic, and major services
  • Direct Bill, Automatic Bank Draft, Visa, MasterCard, or Discover


Eligibility


Secure DentalOne plan is offered to individuals and their spouse through age 64, and their eligible dependents (state requirements for dependent eligibility may vary).

Coverage Period


Coverage starts on the effective date. The effective date issued will begin on the first of the month (at12:00 a.m.) following HPA, Inc.’s receipt of the completed Enrollment Form and payment of the first month of premium.

Covered Services


Preventive Services
  • Routine oral exams—limited to 2 per calendar year
  • Prophylaxis (the cleaning and scaling of teeth)—limited to 2 per calendar year
  • Topical application of fluoride—for dependent children under age 19; limited to 1 per calendar year (not applicable in all states)

Diagnostic Care
  • Intra-Oral Occlusal Film
  • Bitewing X-rays (up to a set of 4)— limited to 1 per calendar year
  • Full mouth X-rays (Panoramic film or Full series)— no less than 36 months apart

Basic Services
  • Simple extraction
  • Pin retention—per tooth, in addition to restorations
  • Fillings (restorations), Amalgam restorations, Composite restorations—limited to anterior teeth and bicuspids, Sedative fillings
  • Antibiotic injections administered by a Dentist
  • Maintenance Prosthodontics, Denture repairs/Adjustments, Denture Rebase—no less than 24 months apart, Denture Reline—no less than 24 months apart

Major Services

  • Endodontic treatment
  • Periodontic services
  • Inlays, onlays and crowns
  • Prosthetic services—dentures or bridges
  • Oral surgery

Services are not covered


These services are not covered by Secure DentalOne:

• Treatment, services or supplies which: A. Are not Medically Necessary; B. Are not prescribed by a Dentist; C. Are determined to be Experimental/ Investigational in nature by Us; D. Are received without charge or legal obligation to pay; E. Would not routinely be paid in the absence of insurance; F. Are received from any Family Member; G. Are not Covered Procedures.
• Self inflicted injuries.
• War or an act of war, whether or not declared.
• A Covered Person's commission of a felony or an assault on another person.
• Riot, nuclear accident, or a major disaster.
• Employment; whether caused by, related to, or as a condition of employment, including self employment. This exclusion applies even if Workers' Compensation or any Occupational Disease or similar law does not cover the charges.
• Treatment which began, before the Covered Person's Effective Date of coverage or after the Covered Person's termination of coverage.
• Congenital or development malformations existing on the Covered Person's effective date as shown on the Schedule of Benefits.
• Cosmetic procedures, unless the coverage is elected by the Insured Person and the required premium is paid.
• Implants of any type, and all related procedures, removal of implants, precision or semi-precision attachments, denture duplication, overdentures and any associated surgery, or other customized services or attachments, unless the coverage is elected by the Insured Person and the required premium is paid.
• Periodontal splinting.
• Porcelain on crowns, or pontics posterior to the 2nd bicuspid.
• Replacement of partial or full dentures, fixed bridge work, crowns, gold restorations and jackets more often than once in any 5 year period.
• Relining of dentures more often than once in any 2 year period.
• Lost, stolen, or missing dentures or bridges or for duplicates.
• Fixed or removable bridgework involving replacement of a natural tooth or teeth which was lost prior to the Covered Person's Effective Date of coverage as shown on the Schedule of Benefits. Benefits may be payable for bridgework required for loss of teeth while covered under the Policy, if such bridgework is not an abutment for non-covered bridgework.
• Prescription Drugs and analgesia pre-medication.
• Telephone consultations, failure to keep a scheduled appointment, to complete claim forms or attending Dentist statements, and any other services or supplies which are not part of the direct treatment of the Covered Person.
• Dental education or training programs including oral hygiene or plaque control programs.
• Counseling on diet and nutrition.
• Military service, including service in a military reserve unit.
• Orthodontia, unless this coverage is elected by the Insured Person and the required premium is paid.
• Prosthodontics, unless this coverage is elected by the Insured Person and the required premium is paid.
• Charges payable under any medical insurance.
• Charges made by any government entity unless the Covered Person is required to pay; or by any public entity from which coverage could have been obtained by application or enrollment even if application or enrollment was not actually made.
• Use of materials, other than fluorides or sealants, to prevent tooth decay.
• Bite registrations.
• Bacteriologic cultures in connection with a covered dental service. • Therapeutic injections
administered by a Dentist.
• Cast restorations, inlays, onlays and crowns for teeth that are not broken down by extensive decay or accidental injury or for teeth that can be restored by other means (such as an amalgam or composite filling).
• Replacement of 3rd molars.
• Composites on teeth posterior to the 2nd bicuspid.
• Crowns, inlays and onlays used to restore teeth with micro fractures or fracture lines, undermined cusps, or existing large restorations without overt pathology.
• Temporomandibular joint syndrome.

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