Solstice Dental Insurance is a provider offering a range of dental plans designed to meet diverse needs. Their plans resemble medical insurance in structure, featuring networks of contracted dentists known as in-network providers. The choice of your dentist and your out-of-pocket costs depend on the type of plan you select. Solstice aims to provide accessible, affordable dental care with options that suit individuals and groups alike.
Types of Solstice Dental Insurance Plans
Solstice offers several types of dental plans:
Dental Health Maintenance Organization (DHMO): Members pay premiums and co-payments upfront and receive care through Solstice’s network dentists. This plan reduces out-of-pocket costs and paperwork. Unique to Solstice, their DHMO plans are non-capitated without rosters, meaning members can choose any Solstice provider without being assigned to a specific office, reducing wait times and improving care.
Preferred Provider Organization (PPO): PPO plans feature a network of dentists who agree to negotiated fees. Members save the most by using in-network dentists but can see any dentist. Referrals to specialists are not required. PPO plans are offered to group clients and cover a broad range of services including implants.
Discount Dental Plans (DMPO): These plans provide access to a large network of dentists offering discounted fees on dental services. They serve as an affordable alternative to traditional insurance and can be used alongside existing dental insurance for additional savings.
Fee-for-Service Plans: Available to group clients in certain regions, these plans allow members to see any dentist and pay fees based on the services rendered. Like DHMO plans, they do not require assignment to a roster, offering flexibility and faster access to care.
Advantages of Solstice Dental Insurance
Flexibility: Many Solstice plans allow members to choose any provider within the network without being restricted to a primary dentist or office roster.
Wide Range of Plan Options: From traditional insurance (DHMO, PPO) to discount plans, Solstice offers choices to fit different budgets and coverage needs.
Comprehensive Coverage: Plans cover preventive care, basic dental treatments, major procedures, and sometimes orthodontics, with clear distinctions in coverage levels for each category.
No Specialist Referrals Needed: Especially with PPO plans, members can see specialists without needing a referral, simplifying access to specialized dental care.
Discounts on Prescriptions: Some plans, like the Solstice Plus Plan One, include a discount prescription drug program at no extra cost, saving members money on medications.
Coverage of Solstice Dental Insurance
Coverage varies by plan but generally includes:
Preventive Care: Routine cleanings, exams, fluoride treatments, and sealants are often covered at 100%, emphasizing prevention.
Basic Care: Treatments like fillings, extractions, and scaling/root planing typically have coverage around 70%-80%.
Major Care: Procedures such as crowns, dentures, bridges, and root canals are usually covered at about 50%.
Orthodontics: Partial coverage may be available with lifetime maximum limits, depending on the plan.
Other Services: Some plans cover dental implants, oral surgery, and specialty procedures with specific limitations and deductibles.
Costs of Solstice Dental Insurance
Costs vary by plan type and coverage level:
For PPO plans, monthly premiums range approximately from $58.90 for individual coverage to $163.04 for family coverage, with deductibles around $50 per individual and $150 per family.
Discount dental plans have set member fees and offer discounts on procedures, with plans like Solstice Plus Plan One costing around $157 per year and offering savings of 10-50% on dental services.
Additional administrative fees may apply depending on the plan and coverage tier.
Costs depend on whether you use in-network or out-of-network providers, with higher savings typically found in-network.
Pros and Cons of Solstice Dental Insurance
| Pros | Cons |
| Flexible provider choice without roster limits | Coverage details and copays vary by plan and can be complex to understand |
| Wide variety of plan types to suit different needs | Some plans have lower coverage percentages for major procedures (around 50%) |
| No need for specialist referrals in PPO plans | Orthodontic coverage may be limited and have lifetime maximums |
| Discount plans available for those without traditional insurance | Fee-for-service plans limited to certain regions and groups |
| Prescription drug discounts included in some plans | Out-of-network care may have lower benefits and higher out-of-pocket costs |
Conclusion
Solstice Dental Insurance offers a flexible and diverse range of dental plans tailored to different needs and budgets. Whether you prefer a traditional insurance plan like DHMO or PPO, or a discount dental plan for more affordable care, Solstice provides options with comprehensive coverage for preventive, basic, and major dental services. Their unique non-roster approach enhances access to care and reduces wait times. While costs and coverage details vary, Solstice plans generally provide good value, especially for those seeking flexibility and savings on dental and prescription drug costs.
