American Health Shield dental insurance questionsQ: After the $50 deductible for Plan A is there still a charge for office visits or does this $50 deductible take care of them for the year? Does the premium increase as the benefits increase?
A: No, there is no co-pay for the regular dental visits. Note the schedule of benefits may require additional payment for major services.
Premiums are not scheduled to rise and ordinarily stay the same. Of course, any insurance rates could eventually increase due to inflation, but this would be an overall increase for all of the policyholders and after state insurance department approval of the new rates.