Independence Dental
NOTE: As of 12/31/2022 Independence American Insurance Company (IAIC) no longer offers Short Term Medical, Dental, Hospital Indemnity, Accident, and Critical Illness Insurance or Vision Coverage. Current policy's will remain active.
NOTE: If you are a policy holder, health or dental provider with questions or need to verify benefits, please call: 1-866-473-6615
Independence Dental, Underwritten by Independence American Insurance Company, Inc. offers you access to high quality affordable PPO dental insurance coverage for individuals and families. Choose from three PPO plan options: Independence PPO 1000, Independence PPO 1500, Independence Ultra PPO 1500 and Indemnity options. Coverage can begin as early as tomorrow.
Independence Dental Options
Each plan option pays a percentage of your cost for Preventative, Diagnostic, Basic and Major services based on the chart below. Waiting Periods for different classes of procedures are listed based on the plan option. When you run a quote, the options available in your area will be shown.
| Independence PPO 1000 | Independence Ultra PPO 1500 | Independence PPO 1500 | |
|---|---|---|---|
| Deductible: | $50 | $50 | $50 |
| Maximum Benefit: Applies per covered person, per calendar year | $1,000 | $1,500 | $1,500 |
| The following percentages are paid by the plan after deductible. | |||
| Preventive Care | |||
| Exams | 100% | 100% | 100% |
| Cleanings | 100% | 100% | 100% |
| Topical fluoride | 100% | 100% | 80% |
| Sealants | 100% | 100% | 80% |
| (calendar year deductible does not apply) | (calendar year deductible does not apply) | ||
| Diagnostic Care | |||
| X-rays | 100% | 100% | 80% 6 month waiting period |
|
(calendar year deductible does not apply) | (calendar year deductible does not apply) |
|
| Basic Care | |||
Fillings and extractions |
50% 6 month waiting period |
80% 6 month waiting period |
80% 6 month waiting period |
| Major Care | |||
| Crowns, bridges, dentures, root canals, periodontics, endodontics and oral surgery | 50% 12 month waiting period |
50% 12 month waiting period |
50% 12 month waiting period |
When utilizing in-network dental providers: Network providers have agreed to a negotiated, discounted dollar amount for each covered charge. Therefore, if all dental services are received from network providers, you will not be billed for any charges above the allowed amount, or maximum allowable charge.
When utilizing out-of-network providers: If you receive dental services from a provider that is not included in the network, covered expenses are limited to the maximum allowable charge.* You will receive a bill from the provider if out-of-network expenses exceed the maximum allowable charge.
The PPO network available with Independence Dental varies by state. Please refer to the provider directory for a complete list of available network dental providers in your area.
Not available in all states. Plan options vary by state. |
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Preventative Care
• Routine oral exams, limited to two per calendar year
• Prophylaxis (the cleaning and scaling of teeth), limited to two per calendar year
• Topical application of fluoride for dependent children, limited to one per calendar year*
• Sealants, one per tooth every three years for specific permanent molars*
• Space maintenance, including the initial appliance and adjustments within six months of installation for a dependent child up to age 16
* This benefit may vary by dependent age and state.
Diagnostic Care
• Bitewing X-rays, limited to one per calendar year
• Full-mouth X-rays, limited to one every three years
Basic care
• Simple extractions
• Fillings
• Amalgam restorations
• Composite restorations, limited to anterior teeth and bicuspids
• Emergency palliative treatment to temporarily release pain
Major care
• Endodontic services
• Periodontic services
• Oral surgery
• Surgical extractions
• Dentures and maintenance prosthodontics
• Inlays, onlays and crowns
• Bridges
Independence American Insurance Company is domiciled in Delaware and is licensed to write property and/or casualty insurance in all 50 states and the District of Columbia. Its products include short-term medical, hospital indemnity, fixed indemnity limited benefit, group and individual dental, and pet insurance. Independence American is rated A- (Excellent) for financial strength by A.M. Best, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).
The Independence PPO dental insurance options use the DenteMax network. Click on the DenteMax logo to search for network providers.
Yes, you have the freedom to keep your dentist. The PPO plans allow you to use a network or out of network dentist.
With the PPO options, if you use a out of network dentist, you might have additional expenses out of pocket.
PPO stands for Preferred Provider Organization. The
The dentists that are in the network are contracted with the network and charge according to a discounted fee schedule. This will provide you with lower amounts out of pocket.
If you use a dentist that is not in the PPO network, the insurance company will pay just like you are using a network dentist. If the dentist charges more, you will be charged the difference by your dental office.
Yes, you can have more than one dental plan. The insurance companies will coordinate benefits to make sure that the two plans combined are not paying the dentist more than the procedure charge.
You can also use a second plan to pick up when the other plan reaches it's annual maximum