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!
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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
Tempe Dental Care Is Now An In-Network Provider For Delta Dental PPO Dental Insurance Tempe Dental Care, an Arizona based dental care service provider, is now offering the in-network Delta Dental PPO Dental Insurance. Experts suggest that this will help the company win the trust of many more people based in Arizona.Publication Date: May 19, 2015
Working Mother Magazine Selects Horizon Blue Cross Blue Shield of New Jersey one of the Best Companies for Multicultural Woman Horizon BCBSNJ ranked #4 on "Best" listPublication Date: May 20, 2015
SpendWell Partners with Leading Hearing Network American Hearing Benefits nationwide network enables SpendWell consumers to access hearing professionals.Publication Date: May 07, 2015
Beam's StarCard, a Digital Dental Discount Card Beams StarCard and connected electric toothbrush to offer immediate savings for users at the dentistPublication Date: May 19, 2015
2015 Southern Alberta Consumer Choice Award-Winners Business Listings for the 2015 Top Service Providers in Southern AlbertaPublication Date: May 07, 2015
UConn School of Medicine Expands Partnership with MRM Group Based on Strong Results, University of Connecticut Expands Based on Strong Results, University of Connecticut Expands Risk Education throughout Residency and Fellowship ProgramsPublication Date: May 11, 2015
WellCare to Award $20,000 in Micro-Grants to Support Social Service Agencies in Kentucky WellCare Health Plans, Inc. announced today that it will award $20,000 in micro-grants to support Kentucky social service organizations that address transportation, dental/vision and foster/adoption support needs.Publication Date: May 22, 2015
Security Life Launches Individual Vision Insurance Product in Arizona, Idaho, Kansas, New Jersey and Ohio Security Life Insurance Company of America, a leader in the ancillary benefits market, is excited to announce the addition of individual vision insurance to their product offerings in Arizona, Idaho, Kansas, New Jersey and Ohio. PrimeStar Individual Vision insurance, which originally launched in March 2015, is complete with two plan options.Publication Date: May 18, 2015
Agoura Hills Dentist, Dr. Philip Shindler, is Now Offering a Promotion on Invisalign Treatments Dr. Philip Shindler is now offering a special on Invisalign treatment. Qualifying patients now get to enjoy the benefits of Invisalign with $500 off of the cost of their treatment.Publication Date: May 21, 2015
Horizon Blue Cross Blue Shield of New Jersey Director Honored with YWCA Tribute to Women and Industry (TWIN) Award Cynthia Aureli has been named a YWCA Tribute to Women and Industry (TWIN) 2015 honoree.Publication Date: May 18, 2015
Van Nuys Dental Office, Hamlin Dental Group, is Now Offering a Promotion for New Patients For a limited time only, the Hamlin Dental Office of Van Nuys is now offering a promotion for new patients looking for quality dental care at a low cost. The new patient special costs just $20 and includes digital X-rays, the comprehensive exam, and the consultation.Publication Date: May 19, 2015
The Professional Protector Plan for Dentists and CNA Sponsor one of the Grand Prizes for the ADA- American Dental Association 2015 Dental Student Ethics Video Contest Dental Student Ethics Video Contest, begins May 1st with a submission deadline of July 31, 2015. ADA student and ASDA members will use the ADA Principles Code of Professional Conduct to create videos demonstrating the ADA Codes Principle(s), Code(s), or Advisory Opinion(s).Publication Date: May 12, 2015
Dental Crowns and Bridges Market to Grow at 7% to 2018 Says a Research Report at RnRMarketResearch.com Global Dental Crowns and Bridges Market 2014-2018 is the market research report available at RnRMarketResearch.com. The analysts of the report have conducted in-depth analysis of the impact of market drivers, challenges and trends.Publication Date: May 12, 2015
Beverly Hills Stem Cell & Surgical Institute Now Offering Regenerative Medicine Procedure Financing Beverly Hills Stem Cell & Surgical Institute, the top regenerative medicine clinic in Southern California, is now offering financing for procedures. Most of the stem cell procedures are partially covered by insurance, with Board Certified physicians providing the expert therapies.Publication Date: May 14, 2015