Dental Insurance
Protect Your Smile — and Your Budget
Routine dental care is essential for maintaining your overall health, but without insurance, even basic services can be expensive. Dental Insurance helps you manage the cost of cleanings, exams, fillings, and more — keeping your smile healthy and your outofpocket expenses low.
At FMS Insurance Advisors, we help individuals, families, and seniors choose dental coverage that fits their needs and budget.
Why Dental Insurance Matters
Dental issues can develop silently and worsen over time. Regular checkups and cleanings help prevent costly emergencies — and the right plan makes that care affordable.
Dental Insurance can help you:
- Cover preventive services at little or no cost
- Reduce outofpocket expenses for fillings, crowns, or other treatments
- Access quality dentists through nationwide networks
- Protect against unexpected dental emergencies
- Maintain longterm oral health at an affordable monthly premium
What Dental Insurance Typically Covers
Coverage varies by carrier, but most plans fall into three categories:
1. Preventive Care (usually 100% covered)
- Routine cleanings
- Dental exams
- Xrays
- Fluoride treatments (in some plans)
Most plans encourage preventive care because it reduces the need for expensive treatments later.
2. Basic Services
Covered at a percentage, such as 50–80% depending on the plan:
- Fillings
- Simple extractions
- Emergency treatment
- Periodontal cleanings
3. Major Services
Covered at a lower percentage and may include:
- Crowns
- Bridges
- Dentures
- Root canals
- Oral surgery
Some plans include orthodontic benefits, especially for children — and in some cases, adults.
Types of Dental Plans
We help you compare and select from multiple plan styles, including:
PPO Dental Plans
- Large provider networks
- Flexibility to see any dentist
- Balance of cost and freedom of choice
HMO / DHMO Plans
- Lower monthly premiums
- Fixed copays
- Requires choosing a primary dentist
Indemnity Plans
- No network requirements
- You choose any dentist
- Higher premiums but maximum flexibility
Dental Discount Plans
(Not insurance, but a savings program)
- Reduced rates with participating providers
- Low annual fee
- Good for individuals wanting simple, lowcost options
Who Can Benefit From Dental Insurance?
Dental Insurance is ideal for:
- Individuals wanting predictable dental costs
- Families with children needing frequent care
- Seniors concerned about dentures or major services
- Anyone without employer-based dental benefits
Those looking to avoid high out-of-pocket dental bills
Why Choose FMS Insurance Advisors?
As an independent agency, we work for you, not the insurance companies. You’ll receive:
- Personalized plan recommendations
- Access to multiple carriers and competitive pricing
- Help understanding what each plan covers
- Ongoing support with claims and questions
- Friendly, local guidance every step of the way
- We make choosing dental coverage simple and stress-free.
Ready to Protect Your Smile?
Get a personalized quote today and let us help you find a dental plan that fits your needs and budget.
Healthy teeth. Healthy life. Affordable coverage.
What Our Clients Say
“Prior to enrolling in Medicare, I visited a few insurance companies. With FMS Insurance I got answers immediately. Attending Bob Schmaltz’s seminar was the best thing I did!
FMS agents are very knowledgeable about the Medicare process. The entire staff went way beyond helping me select the best plan for my needs. I highly recommend their services.”
— K. A.
