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Secure Dental One Insurance for dental treatment, Secure DentalOne Insurance reviews and experiences for dental treatment
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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 Insurance Eligibility
Eligible for ages 18 through 64.
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Secure DentalOne Insurance policy is available online for quotes and purchase at the Secure DentalOne Insurance Online Purchase.
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Secure DentalOne Insurance Policy brochure and paper application can be downloaded at the Secure DentalOne Insurance Brochure.
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Secure DentalOne Insurance and other visitor insurance policy FAQs can be viewed at Insurance - FAQ.
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Secure DentalOne Insurance and other visitor Insurance Policy Glossary can be viewed at Insurance - Glossary.
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Voluntary Feedback from our customers can be viewed at Insurance Customer Feedback.
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Secure DentalOne Insurance Guide gives you some background information on how medical insurance works. Secure DentalOne Insurance Guide also provides information on the different factors you should consider while purchasing insurance.
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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