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.
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.
Discount Dental Plans are an affordable alternative to dental insurance for individuals, families, and businesses (group plans). Dental Plans has been a leading online marketer of discount dental plans since 1999 and offers over 30 top rated discount dental plans from quality carriers like Aetna Dental Access, Preferred Network Access, and GE Wellness Plan.
The discount dental plans offered by Dental Plans include an impressive savings from 10% to 60% on various dental procedures including routine six-month check-ups, full mouth x-rays, braces, fillings, root canals, adult and child teeth cleanings, and other dental care procedures. Individual plans are affordably priced from $79.95 to $154.95 per year, depending on the company you choose. Family plans starts
as low as $129.95 per year.
The Dental Plans website is professional and very easy to use. You just enter your zip code to see all the featured plans available in your area. Each plan is conveniently presented along with its savings and benefits, allowing you to quickly compare and choose the plan that's right for you.
You can also search Dental Plans by zip code to find participating dentists in your area. If you don't see a particular dentist that you're interested in, you can do an advanced search to see if that dentist is available in any of the other plans offered.
Dental Plans also features additional information, such as:
a comparison between discount dental plans and dental insurance
customer service professionals that can help you determine the most suitable plan for you and your family
customer testimonials from some of their thousands of satisfied customers
Dental Plans offers a top-quality service that delivers real cost savings to its customers. Based on their professionalism, value, and ease of use, Dental Plans is our top-rated choice.
Dental Insurance offers multiple discount dental plans on their website. Once you enter your ZIP code, the plans that are available in your area appear. Dental insurance carriers include Patriot Dental Plan, Careington 500 Series, Aetna Dental Access, CompBenefits, Security Life, Symetra Financial, and Ameritas Group. The nice thing about Dental Insurance is that you can see side-by-side comparisons
of all their carriers with plan information and pricing. This is very helpful as you look for the plan that best meets your needs.
The plans list monthly pricing for individuals, individuals + 1, and families. Pricing is based on ZIP code, so the costs will vary based on your location. In our testing, we found the ranges for Individual pricing went from $7.95 per month to $40.68 per month; Individual + 1 pricing ranged from $11.95 per month to $81.47 per month; and Family pricing ranged from $15.95 per month to $122.05 per month.
Dental Insurance's discount dental plans can save participants 10% - 40% on dental visits. Products and services covered include adult and child teeth cleanings, routine check-ups, four bitewing x-rays, composite (white) filing, crowns, upper dentures, molar root canals, and tooth extractions. You can also search to see if your dentist is in the network for each of the plans.
The Dental Insurance website provides a number of plans to choose from and a list of FAQ's. If you have additional questions, you can call a toll-free number for further assistance. Dental Insurance earns high marks for the quality information they provide.
eHealthInsurance offers dental insurance plans from several reputable companies including Bay Dental Plan, Security Life, Blue Cross Blue Shield, and First Ameritas Life. Plans and pricing vary based on your ZIP code.
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%. Primary benefits include teeth cleanings, fillings, extractions, oral surgery, x-rays, crowns, bridges, root canals, and so on. All quoted plans include an online dental directory, A.M. Best rating, and a list of
exclusions and limitations. Individual plans are priced anywhere from $17.10 to $40.68.
eHealthInsurance offers a number of ways that you can get assistance. You can call a toll-free number to speak to a representative, use their online help, or use their online insurance tutorial. They also offer answers to "common questions" regarding dental insurance plans to help you choose the plan that best meets your needs.
Overall, the eHealth Insurance website is professional, easy to navigate, and we appreciated the amount of help provided. However, this website is not as comprehensive as the higher-rated services.
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.
Dental Insurance In The News
New Report Connects Reform of New Jerseys Out-of-Network Health Care Regulations to Significant Costs Savings for State Residents Horizon Blue Cross Blue Shield of New Jersey Releases Regulatory Analysis, Launches Educational Website to Educate New Jerseyans on a Key Driver of Rising Health Care in the StatePublication Date: March 25, 2015
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
The Global Nanotechnology-based Medical Devices Market is Expected to Reach around $8.5 billion by 2019 - MarketsandMarkets The global nanotechnology-based medical devices market is segmented on the basis of products and applications. http://www.marketsandmarkets.com/Market-Reports/nanotechnology-medical-device-market-65048077.html (http://www.marketsandmarkets.com/Market-Reports/nanotechnology-medical-device-market-65048077.html)Publication Date: March 25, 2015
Total HIPAA Recommends Sookasa for HIPAA Secure File Sharing As more information is stored in the cloud, a HIPAA compliant file-sharing capability is a necessity. Total HIPAA (http://www.TotalHIPAA.com (http://www.TotalHIPAA.com)), a HIPAA content provider and consultancy, recommends Sookasa, which pairs with Dropbox, to securely store, sync and share files through the cloud.Publication Date: March 24, 2015
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
VIPdesk Connect Hiring Hundreds of Customer Service Professionals Over the Next 30 Days VIPdesk Connect Elite Brand Ambassadors will support one of several leading, dynamic brandsPublication Date: March 19, 2015
Hamlin Dental Group is Now Accepting New Patients and Offering a New Patient Special Hamlin Dental Group is now accepting new patients, and they are offering a new patient special to welcome new patients into their dental family.Publication Date: March 26, 2015
The Institutes Selected Among 2015 Top Workplaces by Philly.com Philly.com, part of the Philadelphia Media Network, has selected The Institutes as one of the Top Workplaces for 2015 for the second year in a row. This survey and award program were designed to identify, recognize and honor the regions best places of employment from their workers perspectives.Publication Date: March 23, 2015
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
Dental365 a Clear Choice Dental Group Company Dental365, a Clear Choice Dental Group Company, announces their newest location a new, easy, and convenient choice for all your dental needs.Publication Date: March 25, 2015
Collective Health Raises $38 Million to Scale Its Employer Health Insurance Business Founders Fund and NEA lead investment in emerging self-insurance technology leaderPublication Date: March 19, 2015
Agenda Set for the 9th International Congress on 3D Dental Imaging Scheduled for April 17-18, 2015, in Dallas, Texas Discover how the information and applications from 3D technology can help clinicians to optimize treatment.Publication Date: March 24, 2015
Castle Dental Opens Its First Dental Office in Hendersonville, TN Office Accepts All Forms of Dental Insurance and Offers Financing with ConfiDent® Dental Discount ProgramPublication Date: March 27, 2015
Rising Volume of Tooth Repair Procedures Drives Growth in the Dental Restorative Supplies Market, According to a New Report by Global Industry Analysts, Inc. GIA announces the release of a comprehensive global report on Dental Restorative Supplies. The global market for Dental Restorative Supplies is projected to reach US$784 million by 2020, driven by the rising global prevalence of dental caries, and the ensuing increase in the volume of tooth repair procedures.Publication Date: March 25, 2015
New Business Partnership Brings Better Access to Dental Care for the Uninsured Productive Dentist Academy and Compass Dentist make dentistry betterPublication Date: March 19, 2015