Maintaining a perfectly healthy smile can be a costly exercise and shouldn’t add unnecessary stress to the already expensive everyday costs of living. Whether you’re an employer looking to add dental coverage to a group policy or an individual exploring supplementary coverage, WHA can help you determine what’s best for your circumstances.
Specializing in the full spectrum of dental coverage, WHA can help you customize the perfect plan to meet all of your individual or family needs, whether you’re seeking to purchase standalone protection or would like to add dental coverage to your existing individual or family health plan. Likewise, if you’re a small business owner, public entity, or a large commercial operation, we can help you create the perfect plan to meet your needs.
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“We have been working with WHA for almost 10 years. We like the people, their website’s ease of access, and fair rates.”
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“I commend you on your choice of insurance companies. WHA did everything one would hope an insurance company would do in a claim. I could do a commercial on them. They were so wonderful!”
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“Great staff and very professional. Best service for the money.”
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“They’ve been helpful for 25 years.”
Choose WHA and you can expect unparalleled 24-hour service from highly collaborative agents who will help you obtain the best insurance solutions. Contact one of our agents now and let us help determine the best options to protect your most precious
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Take the first step to receiving high-quality insurance products that keep you protected by reaching out to one of our agents! We will have an open and honest conversation about how we can help you in your specific circumstances.
The next step after you have chatted to an agent and know what you are looking for, is to get a free quote! We will find you the most comparative rates fast.
Once you have got a quote and you accept, we will sign you up and you will have exclusive access to our client portal as well as our agents on call 24/7.
Whether at work, home or on the road we cooperate with our clients on a common goal – excellent service.
We offer 24-hour emergency claims support and access to certificates of insurance, as well as full-service claims management, so you can get any issues sorted out quickly.
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Firstly, you should consider dental insurance to maintain a healthy mouth, as preventing oral health problems before they start is one of the best ways to keep dental costs down in the long run. Emergency dental work is also expensive and may not be in your budget so it pays to be covered. Lastly, you can protect your overall health, as regular checkups allow dentists to screen patients for symptoms related to other diseases.
This depends on the type of plan you choose. Indemnity plans have no restrictions and patients can see any dentist. Many PPO plans allow patients to see dentists outside the plan’s network, but doing so may result in higher out-of-pocket expenses. If you choose a DHMO dental plan, you have to use a dentist who participates in the plan’s approved network.
Most DHMO plans will provide a discount on services provided when the service received is a covered service that is completed by a specialist who participates in the plan’s network. DHMO patients should always check to confirm that the dentist is “in network” or participates with the DHMO. If you have a PPO plan and you are referred to an in-network specialist, the insurance company will cover the service and you will be subject to pre-negotiated prices as long as it is a covered service as listed in the plan policy. If you are referred to an out-of-network PPO specialist and the PPO plan provides out-of-network coverage, the insurance company will cover the service as long as it is a covered service as listed in the plan policy. Traditional indemnity dental plans do not utilize provider networks, patients with these plans can go to any dentist of their choice. Procedures performed by dentists or other oral care specialists are covered as described in the plan policy.
WHA (Wilson Heirgood Associates) was established as an all-lines insurance agency by Hobart Wilson in 1950. Through the early 1980s, WHA adopted and honed its specialized take on insurance, with licensed agents and consultants who focused singularly on specific industries.