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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.

 

 

 

Ted Siefer's City Hall For aldermen, benefit packages make the work easier
LETTERS WENT out to the city's 1,000 or so employees on Thursday, letting them know just how much the city spends on their wages and, more particularly, their benefits - health and dental insurance, retirement, disability, life insurance, etc.
Publication Date: Sun, 08 Mar 2015 13:29:53 -0700

How to pay for your dental work
Dentistry can be expensive, especially when you need to have major work done. Yet only about 50percent of Americans have private dental insurance to defray the cost, according to a September 201...
Publication Date: Tue, 10 Mar 2015 11:30:00 -0700

Affordable dentistry in a learning atmosphere
At Erie Community Colleges Dental Hygiene Clinic, senior Carolyn Volker works on Karla Vandenbergh, who said Volker was very gentle, very thorough. She explains everything very well.
Publication Date: Sat, 21 Mar 2015 07:20:21 -0700

University of New England Confirms 2015 Commencement Speaker and Honorary Degree Recipients
The University of New England is pleased to announce Anna Eleanor Roosevelt, M.S., as its 2015 commencement speaker. Roosevelt will also be awarded an honorary degree along with Michael McCarthy, M.S.
Publication Date: March 26, 2015

Mountainside Family Dentistry in Portland Oregon Launches Novel Alternative to Dental Insurance
Dental membership plans are providing access to dental care for the uninsured
Publication Date: Mon, 02 Mar 2015 00:31:00 -0800

CallMarketPlace.com Adds a Dozen New Pay Per Call Offers
After receiving many requests from affiliates, CallMarketPlace.com has added a dozen new pay per call offers for affiliates to promote.
Publication Date: March 27, 2015

Are Medicare supplement plans deductible?
Dear Tax Talk, I receive Social Security but am paying out a supplemental insurance premium of $164, plus dental expenses, because I have no dental insurance. Is any of this deductible? Does the 7.5 percent of total income threshold apply here? Thank you for your time.
Publication Date: Tue, 24 Mar 2015 04:38:54 -0700

Castle Dental Opens Its First Dental Office in Hendersonville, TN
Office Accepts All Forms of Dental Insurance and Offers Financing with ConfiDent® Dental Discount Program
Publication Date: March 27, 2015

Overdue for checkups: Denti-Cal program for low-income kids
Fewer than half the low-income kids enrolled in California's dental insurance program see a dentist in any given year. That seems like a problem. Whether it is, though, is impossible to tell because of the state's inadequate oversight of the program, known as Denti-Cal. According to a recent...
Publication Date: Sun, 08 Mar 2015 06:22:04 -0700

Tempe Dental Care Announces the Second Year of Dental Membership Program
The Continuing Care Dental Membership Program was designed by a local dentist to promote regular dental care for patients without dental insurance and has been updated to offer savings on even more dental procedures.
Publication Date: Tue, 10 Mar 2015 00:36:44 -0700

Affordable dentistry in a learning atomsphere
At Erie Community Colleges Dental Hygiene Clinic, senior Carolyn Volker works on Karla Vandenbergh, who said Volker was very gentle, very thorough. She explains everything very well.
Publication Date: Fri, 20 Mar 2015 22:27:50 -0700

U.S. Army Medicine Civilian Corps Celebrates 19th Anniversary
On Thursday, March 26, 2015, the Civilian Corps of the U.S. Army Medical Command celebrates 19 years since the first public recognition by the Surgeon General of the first Corps Chief of the Army Medical Department Civilian Corps.
Publication Date: March 26, 2015

Uninsured Children In Texas Get Free Dental Care
Millions of people go without dental insurance, either because they cant afford it or because its low on their list of healthcare priorities. But among those without dental insurance are children, who need to practice good dental hygiene as much as everyone else. In one uplifting news story from Texas, a dental health clinic in Uninsured Children In Texas Get Free Dental Care is an article ...
Publication Date: Sun, 08 Mar 2015 18:39:45 -0700

 

 

 

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