Cain Family Insurance offers a variety of dental insurance plans tailored to meet the diverse needs of residents across South Carolina. Our plans include comprehensive coverage for preventive care, such as regular cleanings and exams, as well as more extensive procedures like root canals and dentures. We partner with top providers like Delta Dental to ensure that you receive the best care possible. Whether you’re looking for a PPO dental plan or a more traditional indemnity plan, we have options that suit your needs. Our dental insurance plans also cover emergency procedures and cosmetic dentistry, giving you the peace of mind that your dental health is in good hands

The deductible for our vision and dental insurance plans in South Carolina is designed to be affordable and straightforward. Before your insurance begins to cover certain services, you may need to meet a deductible amount, which is the portion of your healthcare expenses that you are responsible for paying out-of-pocket. For example, if your dental plan has a deductible of $50, you will need to pay that amount before your insurance starts covering the costs of services like a root canal or a crown. After the deductible is met, the insurance typically covers a significant portion of the costs, reducing your financial burden. Our plans are designed with various deductible options to fit different budgets, ensuring that you can find the right balance between out-of-pocket costs and premium payments.

While our dental insurance plans are primarily designed to cover services within South Carolina, some of our plans, particularly those offered through larger networks like Delta Dental, may offer limited out-of-state coverage. If you plan to travel or temporarily relocate to states like Kentucky, it's important to check whether your plan includes out-of-network benefits. For international travel, such as to New Mexico, coverage may be more restricted, and you may need to rely on emergency coverage or purchase a separate travel insurance plan. Our brokers can provide detailed information on how your specific dental insurance plan works in different locations, ensuring you’re well-covered no matter where you go.

Finding a provider that accepts your vision and dental insurance in South Carolina is easy with Cain Family Insurance. We offer a convenient mobile app that allows you to search for in-network providers by entering your zip code and other preferences. Whether you need to find an eye care professional for your vision needs or a dentist for your dental care, our app provides a comprehensive list of providers near you. You can also access this information on our website, or by contacting our customer service team. We strive to make accessing your benefits as seamless as possible, ensuring that you receive quality care wherever you are in the state.

Under the Affordable Care Act, vision and dental insurance are considered essential health benefits for children, but they are not required for adults. However, Cain Family Insurance offers standalone vision and dental insurance plans that can complement your health insurance coverage. These plans are designed to fill the gaps left by traditional health insurance policies, ensuring that your entire family receives comprehensive care. For example, while your ACA-compliant health insurance may cover some aspects of healthcare, our vision and dental plans provide additional benefits such as routine eye exams, glasses, dental cleanings, and major dental procedures. Combining these plans ensures that you and your family are fully covered for a wide range of health and dental care needs.