Through stable and strong relationships with various carriers, FILCO is proud to offer a wide variety of Dental care options for your clients. Below you will find brief descriptions of the general types of dental insurance that can be offered to fulfill your client’s needs. Be sure to click on the links immediately following the descriptions to find out about the exciting plans being offered by various carriers.

Stand Alone Dental Insurance:
Stand Alone Dental Insurance is sold as a separate INSURANCE policy that does NOT need to be sold in conjunction with medical insurance. This type of policy allows your client the opportunity to choose a dental program, which best fits them, instead of being “boxed into” using their medical carrier’s dental program. Horizon Dental, Principal and Fortis are the leaders in offering programs with generous benefits at competitive rates. Please click here for a detail list and sample rates of the carriers that provide Stand Alone Dental Insurance.

Discount Dental Plan:
A discount dental plan is NOT considered a form of dental insurance but still can be a viable option to offer your clients. In this type of plan, the members pay a “membership fee” and are entitled to discounted fees for service at an in-network dentist. Dental Benefits Plus offers a wide variety of discounts with an extensive network of dentists.
Please click here for a detail list and sample rates of the carriers that provide Discount Dental Plans.

Dental Plan as a Rider:
A dental plan that must be sold in conjunction with medical insurance is considered a rider. In addition, both the dental plan and the medical insurance must be with the same carrier. The Dental Plan/Care rider can either be a dental insurance policy or a discounted dental plan. Some of the carriers that offer dental riders are Aetna, Oxford Health plans and United Healthcare.