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Dental Discount Plans Versus Traditional Dental Plans

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Dental Insurance Better Business Bureau Reliability Seal

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.

Best Dental Insurance Plans

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:

  • Services.  Does the website offer dental insurance or dental plans that meet your needs?
  • Support.  If you have questions, can you contact someone to get assistance? Does the website provide information that can help you make informed decisions?
  • 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!

2017

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.

 

How to Determine if My Dental Insurance Covers Braces?

Early orthodontics is essential for healthy growth of your child's teeth, as they promote a healthy bite and a beautiful smile. When you first notice your kids sucking their thumb, finger or pacifier past the age of five, or perhaps an overbite or under ...

Published:  Fri, 20 Jan 2017 01:03:00 GMT



TruAssure Insurance Company Launches New Dental Insurance Plans to Cover Groups and Individuals with Comprehensive, Hassle-Free Dental Coverage

TruAssure Insurance Company, a standalone dental benefits carrier, today announced the launch of a comprehensive set of new dental plan options for small and large companies, as well as for families and individuals. These new options offer employers ...

Published:  Tue, 10 Jan 2017 09:57:00 GMT



Data Quality Specialist / WegoWise / Boston, MA

Support a client manager in understanding what kind of data we can get from a utility company. Competitive salary and great benefits We treat our employees well. Health & dental insurance, commuter benefits, professional development, and more. Apply To Job

Published:  Mon, 23 Jan 2017 10:38:00 GMT



Protestors get retainer of $2500 a month, $50 per hour during "events," and paid health, vision and dental insurance

Valerie Richardson reports at The Washington Times, Donald Trump may have a point about paid protesters: Job ads running in more than 20 cities offer $2,500 per month for agitators to demonstrate at this week's presidential inauguration events.

Published:  Tue, 17 Jan 2017 13:20:00 GMT



The Trouble With Dental Insurance

I get asked -- all the time -- about dental insurance. And it's almost never a "good" conversation. In fact, it's usually along the line of "why is dental insurance so lousy?" And my patients have a point -- dental insurance typically is pretty lousy, for ...

Published:  Thu, 31 Mar 2011 01:17:00 GMT



Shares of Cigna Corporation (NYSE:CI) Sees Large Inflow of Net Money Flow

Cigna offers commercial health and dental insurance, Medicare and Medicaid products and health, life and accident insurance coverages to individuals. It offers personal accident insurance coverage, consisting of accidental death and dismemberment and ...

Published:  Sun, 22 Jan 2017 00:00:00 GMT



Maintaining Good Oral Health In Retirement Can Save Your Life And Your Money

"The result is, over 70% of retiring baby boomers have no dental insurance. This is significant because that mass of boomers is highly unlikely to return for the vital regular six-month cleaning visit."Ě Mascarin is a doctor of dental surgery. He has ...

Published:  Sat, 21 Jan 2017 18:46:00 GMT



No Dental Insurance? Here are 3 Options

Can't get dental insurance coverage through your employer? If not, you may be tempted to skip dental cleanings and other treatments. But good basic care lowers your risk of suffering a major, expensive problem in the future. Continue Reading Below There ...

Published:  Tue, 14 Jun 2011 08:24:14 GMT



Brushing up on health care costs

Here are four key features to focus on when evaluating dental insurance options for your business: Look for high-quality dental providers and benefit plans which offer 100 percent in-network coverage for diagnostic and preventive services (exams ...

Published:  Mon, 23 Jan 2017 04:27:00 GMT



Dental Insurance

Visiting the dentist can be a terrifying experience even without the bill. The NHS is the cheapest option, but you'll still have to pay for treatment. If you're struggling to pay, or considering alternatives to the NHS, dental insurance can help cover your ...

Published:  Tue, 17 Jan 2017 16:00:00 GMT



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