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Coverage

This term describes the overall scope of your dental insurance and what treatments are covered, what dentists you can go to, and what copays, deductibles and maximum benefits are provided. Most coverages are based on the policy year which may not coincide with the calendar year.

Coverage also refers to how much the insurance provider will pay. For instance, 50% coverage on a $100 procedure would cost you $50 out of pocket.

Coverage varies depending on your plan, and typically dictates premium costs (higher coverage generally results in higher premiums). Most dental plans have an annual maximum benefit, this is the maximum cost the plan will cover in a given year. This number varies depending on the type of plan chosen, and ultimately affects the overall coverage as well. 

Coverage through Momentum

Dental Coverage for Your SmileMomentum Insurance Plans, Inc. offers several plans with varying degrees of coverage, depending on how much coverage you need and what you are looking to spend. While we offer plans for businesses and families, the popular plans below for individuals will give you an idea of how our coverage varies. 

Protect Individual Plan

The Protect individual plan costs just $20 each month. This easy and affordable plan is ideal for adults and children alike, and provides ample coverage for basic dental treatments including:

  • 2 routine cleanings and exams per year
  • 1 X-ray per year
  • And more

*The Protect plan is available for our DHA network only

Gold Individual Plan

The Gold plan offers extensive coverage at a great price for all individuals in Wisconsin. While only slightly more expensive than the Protect plan, the Gold plan offers more comprehensive coverage including:

  • Semi-annual exams and cleanings (80% coverage with no waiting period)
  • Fillings (60% coverage with a 6 month waiting period)
  • Crowns (50% coverage with a 12 month waiting period)
  • And more

Platinum Individual Plan

The Platinum individual plan is one of our most comprehensive plans. The Platinum plan ensures coverage on countless procedures. Some procedures are even 100% covered and have no deductible. The Platinum plan covers:

  • Semi-annual exams and cleanings (100% coverage with no deductible or waiting period)
  • Fillings (75% coverage with a 6 month waiting period)
  • Crowns (50% coverage with a 12 month waiting period)
  • And more
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