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Nobody wants to get plaque, gingivitis, or cavities. But what can you do if you are not covered by a dental insurance plan? According to the American Dental Association, this is exactly the situation that over half of the American public faces today.

Affordable Discount Dental Plans One alternative is to subscribe to a non-insurance dental plan, also known as a discount dental plan. These types of plans have been around since the early 1990's and offer a fee-based benefit program that gives members discounts on various dental services including fillings, exams, routine cleanings, and so on. These plans are designed for individuals, families, and groups looking to save money on their dental care needs. Unlike traditional insurance plans, discount dental plans do not have annual limits, health restrictions, or messy paperwork to wade through. Subscribers pay monthly or yearly membership fees, and, in turn, receive discounts on dental services. Participating providers agree to accept this discounted fee from plan members as payment for services performed. However, keep in mind that in most cases this fee is due at the time of service.

There are many Internet services available to provide both dental insurance and discount dental plans. When looking at different dental insurance services, there are certain factors you need to consider. Some of these include:

  • Support.  If you have questions, can you contact someone to get assistance? Does the website provide information that can help you make informed decisions?
  • Services.  Does the website offer dental insurance or dental plans that meet your needs?
  • Upfront Pricing.  Can you compare dental insurance costs and benefits to make an educated decision?

TopConsumerReviews.com has reviewed and ranked the best dental insurance providers available today. We hope this information helps you find the right dental plan for your needs!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Dental Insurance Reviews

5 stars
Dental Plans

DENTAL PLANSTopConsumerReviews.com Best-In-Class Blue Ribbon Award

Dental Plans offers excellent discount dental plans for individuals, families, and businesses (group plans). They provide a quick and easy way to find the dental coverage you need. Simply enter your ZIP code, and the discount dental plans that are available in your area appear on your screen. Read More... Visit
Site

4 stars
Dental Insurance

DENTAL INSURANCE

Dental Insurance offers multiple discount dental plans that can save participants 10% to 40% on dental visits. Additionally, they easily enable you to compare various plans and their pricing. Dental Insurance's website is very easy to navigate. Read More... Visit
Site

3.5 stars
eHealth Insurance

EHEALTH INSURANCE

eHealthInsurance's dental plans are predominately indemnity plans or PPO plans. Benefits vary accordingly, but most include a yearly deductible between $50 and $200. Coinsurance levels vary between 10% and 50%. Overall the website is professional and easy to navigate, however this website is not as comprehensive as the higher-rated services. Read More... Visit
Site

Why Has Dental Insurance Become So Popular?

A personís smile often is the first thing others notice about them. A beautiful set of pearly whites can make or break that first impression.

Keeping our teeth, gums and mouth healthy goes a long way in improving our appearance. As we age, our teeth develop numerous issues which should be monitored and treated by a dental professional. But letís face it Ė dental procedures can be expensive. Even a routine exam and cleaning can cost over $100 in most areas. Costs can be even higher for those without dental insurance.

Recent figures indicate that 42 percent of all Americans go without dental insurance, which in turn results in a lack of regular visits to the dentist.

However, studies in recent years have linked improper dental care and health to everything from heart disease to diabetes and even cancer. A healthy mouth is the first step toward a healthy body.

Some people are lucky and have dental insurance included as part of their regular health insurance package through an employer. For those people, espousing the benefits of proper dental hygiene and care are unnecessary. They have the benefits in place and are happy to use them.

For those who are not lucky enough to have dental insurance through an employer, the benefits of purchasing your own plan through an insurance broker or directly from a dental insurance company are numerous.

Dental insurance plans have seen an increase in popularity in recent years due to the general populationsí growing knowledge about the important of proper dental hygiene. This includes a twice-annual exam and cleaning by a dental professional. A recent spate of television ads promoting dental insurance plans has helped to spur that growth, accounting for roughly a 7 percent increase in the number of people who sought out and purchased dental insurance plans.

Another reason dental insurance plans have become so popular is that they are easier to navigate than a traditional health insurance plan. Because there are only so many dental procedures a person can undergo, plans are very clear as to what they cover and how much coverage is included.

Dental insurance plans also tend to be more affordable than traditional healthcare coverage plans, and the cost remains stable from year to year, whereas healthcare insurance costs are less predictable and often skyrocket from year to year.

Employers also are taking notice of the rise in popularity in dental insurance plans and are considering them as part of a comprehensive healthcare package to help attract the best employees. Next to annual salary, benefits are the next most important factor for many individuals when considering employment. Companies which offer healthcare and dental plans are more likely to not only attract the best people for the job, but retain them from one year to the next.

If you are among the people who are not lucky enough to have dental insurance through your employee benefits package, but would like to secure your own coverage, be sure to review the best plans for your area before making a decision.

 

 

 

Kool Smiles to Provide "Free Care Day" to Uninsured Children Feb. 22
In recognition of Children's Dental Health Month, children across the country without dental insurance will receive much needed dental care at no cost during the Kool Smiles "Sharing Smiles" free care day on Sunday, February 22.
Publication Date: Thu, 12 Feb 2015 12:43:25 -0800

Experts: Ways to save on costly dental care
OKLAHOMA CITY Taking care of your teeth can become extremely expensive, especially for the 50 percent of Oklahomans without dental insurance. Even some people with dental coverage are left to pay what their insurance wont cover. However, there are a number of strategies that can help you reduce your dental bills. The most obvious
Publication Date: Thu, 19 Feb 2015 13:37:45 -0800

Covered CA delays dental benefits
Adults enrollees will have to wait until at least next year because of health exchanges computer problems.
Publication Date: Mon, 23 Feb 2015 23:01:33 -0800

Live Very Well Launches The Big Picture Campaign on Facebook
Live Very Well is thrilled to launch The Big Picture Facebook campaign, recognizing unsung heroes whose simple acts of caring help others in the community. Live Very Well is proud to provide dental insurance and resources that help people live a healthy lifestyle. In turn, we are proud to highlight those in your communities who help others live well through The Big Picture contest.
Publication Date: Sun, 15 Feb 2015 22:10:52 -0800

HIPAA Policies and Procedures Toolkit for Dentists and Other Small Healthcare Practioners Now Available for Instant Download at hipaapoliciesandprocedures.com
Searching for HIPAA privacy policies and procedures for dental offices and other small businesses, then look no further than the trusted experts at hipaapoliciesandprocedures.com, providers of industry leading policies, procedures, forms, checklists and much more for todays healthcare businesses.
Publication Date: February 26, 2015

How to Make the Costs For Your Dental Care More Affordable Without Insurance
NEW YORK ( MainStreet ) When coverage for a consumer's dental care is not comprehensive, he may face a financial burden every bit as painful as a root canal--shelling out hundreds of extra dollars for existing problems.
Publication Date: Wed, 04 Feb 2015 06:34:28 -0800

More Local News
Kids that are not covered by dental insurance will be provided treatment at no cost this weekend!
Publication Date: Fri, 20 Feb 2015 15:46:35 -0800

Highmark Health Appoints Joseph C. Guyaux Chairman of the Board of Directors
Highmark Health of Pittsburgh announced today that Joseph C. Guyaux, senior vice chairman of the The PNC Financial Services Group, Inc., and president and chief executive officer of PNC Mortgage, has been appointed chairman of the board of directors. In addition, Highmark Health president and chief executive officer David L. Holmberg will become chairman of the board of directors of Highmark Inc.
Publication Date: February 26, 2015

'Pro bono dental' program planned for low-income Ottawa residents
A group of Ottawa dental professionals is trying to launch a non-profit service for low-income residentswho cant afford dental insurance. The Pro Bono Dentalprogram would offer dental work for those with a low incomewho dont have a criminal record, drug dependencies, serious medical conditions, private insurance or government assistance. Organizer Dr. Ben Fong said hes trying to raise ...
Publication Date: Fri, 20 Feb 2015 03:07:21 -0800

Willis Quality Index awards five-star rating to Delta Dental Insurance Company in latest survey
This rating is based on feedback from more than 300 Willis Associates across the country.
Publication Date: Tue, 10 Feb 2015 04:13:49 -0800

Get free dental treatment in Baton Rouge Friday, Saturday
Nearly half of American adults don't have dental insurance so they rarely have dental exams. The Louisiana Dental Association hopes to improve that statistic in the Baton Rouge area with a free clinic underway Friday...
Publication Date: Fri, 27 Feb 2015 11:36:06 -0800

Bridging the Dental Health Divide with the NBA All-Star Dwight Howard through Mediaplanets Oral Health Campaign
While dental care in the United States is the best in the worst, there still are issues with accessing the care that many Americans need. From addressing a simple cavity to making the most of a dental insurance plan, this campaign provides tips, tricks and solutions for readers in every step of their journey to a healthier mouth.
Publication Date: Fri, 20 Feb 2015 07:14:14 -0800

QS Fencing Now Offers Commercial Fencing For Aesthetic Appeal
Ensuring security of commercial property, especially after business hours is crucial. QS Fencing now offers commercial fencing that enhances aesthetic appeal too at http://www.qsfencing.ca/ (http://www.qsfencing.ca/).
Publication Date: February 26, 2015

 

 

 

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