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Paullina, IA  51046
(712) 949-3461
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163 1st St SE
Primghar, IA 51245
(712) 957-6455
Sutherland, IA 51058
(712) 446-3339
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DENTAL INSURANCE • PART 2

Monday, April 12, 2021
  Dental plans are similar to health insurance plans in some respects, but different in other ways. You’ll generally have the following options:
•Preferred Provider Organization (PPO): As with a health insurance PPO, these plans come with a list of dentists that accept the plan. You have the option of going out of network, but your out-of-pocket costs will be higher.
•Dental Health Maintenance Organization (DHMO): Like a health insurance HMO, these plans provide a network of dentists that accept the plan for a set co-pay, or no fee at all. However, you may not be able to see an out-of-network dentist.
•Discount or referral dental plan: This is a plan in which you get a discount on dental services from a select group of dentists. Unlike health insurance, the discount or referral plan doesn’t pay anything for your care. Rather, the dentists who participate agree to give you a discount for the care you receive.
What They Cover
  Generally, dental policies cover some portion of the cost of preventive care, fillings, crowns, root canals, and oral surgery, such as tooth extractions. They might also cover orthodontics, periodontics (the structures that support and surround the tooth) and prosthodontics, such as dentures and bridges. You’re usually covered for two preventive visits per year.
  If you get an individual policy, periodontics and prosthodontics may not be available in the first year of coverage. And orthodontics often requires a rider, in which you pay an additional fee, for any kind of policy.
South O'Brien Insurance - Paullina•Primghar•Sutherland
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Kent Faust
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Business Insurance
Coverage is available for businessis to insure against all general types of insurance including Property protection and Liablilty protection.
Auto & Vehicle Insurance
Auto & Vehicle insurance provides financial coverage for accidents, thefts, vandalism or collisions involving a motor vehicle. Coverage is available for Cars, RV''s, Motorcycles, ATV's and Watercrafts.
House & Renters Insurance
Homeowners insurance covers a policy holder's physical residence, as well as its contents against damage from insured perils. Liability coverage is also included for the individual's responsibility for any injuries a person might suffer while on the property covered by the policy.
Life Insurance
Life insurance is an important part of financial planning, which provides a death benefit to the beneficiaries. The benefit can be used to pay funeral expenses, replace loss of family income or pay off debts.
Specialty Insurance
Many types of specialty insurance are available to cover specific needs. Some of these include Flood Insurance and Umbrella Insurance.
Health Insurance
Personal Health insurance provides medical coverage for expenses resulting from illness or injury.
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