Individual & Family Dental Plans
FCL Individual & Family Dental Plans are affordable and flexible to meet your needs today and tomorrow. We at FCL Dental have created our dental plans with care by listening to consumers like you to understand what benefits and coverage mean the most to them and their families.
We've taken this insight and developed our plans with our customers in mind because we believe you're the most important asset to our company, which is why we offer the following plans for your consideration
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Individual
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Individual Plus One
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Individual Plus Family
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Dependents Only
When you or a loved one would like personal dental coverage to maintain dental health or take care of existing dental issues (we have no pre-existing condition restrictions!)
When you and a loved one would like personal dental coverage to maintain dental health or take care of existing dental issues
(including Parents & Grandparents you support and reside with you)
When your family, dependent parents and grandparents, and you would like personal dental coverage to maintain dental health or take care of existing dental issues
When your employer only covers you or you and your spouse and you feel more secure having dental coverage for your dependent(s)
Your acceptance into our plans is guaranteed, regardless of your current and past dental history. With insurance companies becoming stricter about preexisting conditions, this is designed to provide you with peace-of-mind to know your dental care is covered!
Once enrolled, your coverage is effective the first day of the month following your effective date. Then you're able to get all the dental care you desire at very manageable copayments. With your Dental HMO coverage, the low investment for each service is clearly defined so you know exactly what you'll pay before services are rendered.
All of our dental plans can meet your needs with:
Great Benefits
- No pre-existing condition restrictions
- No deductibles
- No annual maximum
- No claim forms
- Fixed copayments for Members as detailed in the Schedule of Benefits
- Freedom of choice of In-Network Providers
- Ability to change dentists up to 4 times per year
- Coverage is effective the first day of the month following enrollment
- Includes bleach whitening
Specialty Benefits
- No referral or authorization required for Dental Specialists, chose an in-network dentist and call to schedule your appointment
- No preauthorization required
- Covered cosmetic benefits - (DHMO only)
- Specialty benefits (if copayment does not apply) will be subject to charges (payable by Member), at a percentage of 20% to 25% of dentist's usual and customary fees
Affordable
- No deductibles
- No annual maximums for dental work, have as many services as you desire
- Two or three year rate guarantee options available with written preapproval