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Dental Premier Choice Dental Insurance for Seniors in Alabama

PPO Plan
$34.98/Mo
Golden Rule senior dental plan for people with Medicare
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Rating:Golden Rule A.M. Best rating.
Premium: from $34.98/mo*
Deductible:$50 per person combined Basic and Major Services
Coverage:Year 1: $1,200 per person Year 2: $1,300 per person Year 3: $1,400 per person Year 4+: $1,500 per person
Plan Type:PPO
Benefits:Dental Premier Choice Dental Plan 1004-004 Summary of Benefits for Alabama

*Premiums vary based on regional pricing.

About Dental Premier Choice for Alabama Medicare Beneficiaries

Dental Premier Choice, by Golden Rule, is a Dental PPO (Preferred Provider Organization or Participating Provider Organization) insurance plan for Alabama seniors. It's the most common type of dental insurance, and they almost always require you to pay a deductible.

Unlike an HMO, a dental PPO allows you to use a dentist outside of the network. However, when you use a network dentist you pay reduced rates. When you use a network dentist, you will typically pay a certain percentage (e.g. 20%) of the reduced rate (co-payment), and the insurance company pays the remainder (e.g. 80%).

Be sure to compare Dental Premier Choice with other PPO dental insurance in Alabama before you choose.

The monthly premium with the Dental Premier Choice plan starts at about $34.98. This is an estimated rate for a 65 year old woman living in Alabama that does not use tobacco. This is an insurance product, so you'll need to get a quote to get the exact cost for your situation.

Plan Benefits

The following table lists the standardized core benefits with this plan. Dental Premier Choice may have additional coverages and benefits listed in the plan brochure (downloadable pdf).

Benefit Coverage
Dental Plan Type:PPO
Co-insurance:20% - 50%
Annual Deductible:$50 per person combined Basic and Major Services
Max Benefit:Year 1: $1,200 per person Year 2: $1,300 per person Year 3: $1,400 per person Year 4+: $1,500 per person
Cleanings:$0 Copay, Deductible waived
No waiting period
Topical Fluoride:$0 copay (limited to covered persons under age 16, limited to 2 times per calendar year), Deductible waived
No waiting period
Sealant:$0 copay (limited to covered persons under age 16 and once per first and second permanent molar every 36 months)
No waiting period
Fillings & Restorative Dentistry:20% coinsurance after deductible
6 months waiting period
X-Rays:$0 copay (limited to 1 series per calendar year)
No waiting period
Oral Surgery:50% coinsurance after deductible
12 months waiting period
Tooth Extractions:20% coinsurance after deductible
6 months waiting period
Crowns:50% coinsurance after deductible
12 months waiting period
Root Canals:50% coinsurance after deductible
12 months waiting period
Periodontics:50% coinsurance after deductible (periodontal maintenance limited to 2 per calendar year)
12 months waiting period
Dentures:50% coinsurance after deductible
12 months waiting period
Bridges:50% after deductible
12 months waiting period
Endodontics:50% coinsurance after deductible
12 months waiting period

Contact Golden Rule

For more information about this plan, download the Summary of Benefits Dental Premier Choice Dental Plan 1004-004 Summary of Benefits for Alabama, call, or visit their website.

Here's their contact information:

Compare Plans

We recommend comparing Dental Premier Choice with these quality Alabama dental plans:

Availability

Dental Premier Choice is available in Birmingham, Auburn, Decatur, Dothan, Huntsville, Mobile, Montgomery, Tuscaloosa, and most other cities and towns in Alabama.

The dental plan information on MedicareWire is maintained by and was last updated on .