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Sunday, February 9th
Dental Insurance is a platform that partners with well-known insurers to make it simple to compare different underwriters side by side. With costs starting as low as $8.09 per month, Dental Insurance's collection of PPO and HMO plans includes everything from orthodontia to bundles with vision coverage too. With rave reviews for its customer service and simple enrollment process, Dental Insurance stands out as a favorite with customers, earning it a perfect score here.
Avia Dental offers dental discount plans rather than traditional insurance. This provider has extremely affordable monthly rates and solid inclusions like vision and prescription discounts. The plans promise savings of up to 50% and cover individuals and families as well. However, the limited number of customer reviews and lack of detailed breakdowns of the total discounts for different areas of dental care keep Avia Dental from being as competitive as possible, especially since it's only available in 29 states.
Taking care of your teeth is one of the most important parts of your overall health and wellness. Dental appointments should be part of your normal routine and attended regularly, not just when you have a problem that needs to be addressed. Whether you're looking for a hygiene checkup or cosmetic concerns like tooth whitening, visiting your dentist regularly can keep you happy, healthy, and smiling with all those pearly whites.
However, as with many medical and preventative care appointments, the cost of dental work can get pretty high. A recent study shows that the national average cost for a standard visit (dental exam, cleaning, and x-rays) is around $203 per visit. If you're not one of the lucky folks who get dental with their job benefits, grabbing your own dental insurance is a sure way to make sure you save money and keep your teeth healthy at the same time.
If you need other procedures like fillings, crowns, or root canals, your total cost at the dentist could be thousands of dollars (crowns can cost up to $1,800 per tooth). While you can't do much about the cost of the dentists themselves, there are some resources to help you find affordable dental insurance to keep costs down.
A recent study compared different monthly costs (including preventative visits) and found that those with insurance paid $800 less per year than those without. Plus, if you get insurance, many of the basics are free of charge, making it less likely that you will need more complicated or expensive trips to the dentist in the future.
Now, when you decide to grab dental insurance, you'll want to keep a few things in mind. Like health insurance, your dental insurance company will have a network of accepted providers. If you have a dentist you really love, you'll want to make sure you grab insurance that is taken by your current dentist. In-network insurance policies will usually cover 100% of preventative dental care, up to 80% of basic procedures (fillings, root canals, and extractions), and up to 50% of major procedures like crowns, implants, and treatment for gum disease. Keep in mind many plans do not include orthodontics (such as braces), but most insurers or brokers offer at least one plan that does include specialist care.
In general, you can find a few types of dental plans. First is the Preferred Provider Organization (PPO). This is the common "network” approach where dentists join a PPO network and set up their fee schedule with the insurance provider. You can go out of network with PPO plans, but you may have higher out-of-pocket fees. The other main option is the Health Maintenance Organization (HMO) plans which have a more restricted network requirement. For HMO (sometimes called DHMO in dental insurance), you are not able to go out of network and still use your insurance benefits.
If you're ready to support your dental health and enjoy the security of covered preventative care, but don't know which dental insurance service to choose, we've put together some factors to help you decide:
To help you find the best dental insurance for your sparkling smile, Top Consumer Reviews has researched and ranked the top providers and brokers out there today. Whether you prefer total coverage for dental and orthodontics or a simpler option that focuses on preventative care, there's a dental insurance plan out there waiting for you. This way, you can enjoy your pearly whites and save some money in the process!
Select any 2 Dental Insurance Plans to compare them head to head