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Monday, June 21st
Spirit Dental is an Ameritas product that offers conventional dental insurance. Every plan offers great benefits, like 3 cleanings and 2 exams yearly and a low $100 lifetime deductible. Although their premiums are not cheap, Spirit Dental has top-notch customer service and options that include using your own dentist, even if s/he is not in the Spirit network. This is a good option for people who want traditional dental insurance coverage.
eHealth has been around for more than 20 years and sells many different types of traditional insurance, including dental, health, and vision. Using the site to find the right coverage for your situation can take some time, especially when you're trying to figure out if there are any in-network dentists in your area. This site also offers no dental discount plans. Overall, eHealth isn't a bad source of trustworthy dental insurance coverage, but using the site can be frustrating.
If you're one of the 74 million Americans who aren't covered by an employer or government plan, chances are you've asked yourself that question recently. One big reason people avoid dental insurance is because those plans can be expensive.
The price for dental insurance can vary depending on where you live, but it's not uncommon for a basic cleaning to cost $100 - and that doesn't include the x-rays, the exam, or the cost of any repair work or fillings the dentist discovers during your visit. Fortunately, you can purchase your own coverage.
When it comes to Dental Insurance, you have two main options: traditional dental insurance or discount dental plans. With dental insurance, it works as you'd imagine you pay a monthly premium, and you may or may not have an annual deductible.
On the other hand, discount dental plans give you access to savings on dental services and are often valid for use from the day you pay for coverage. Many of these dental savings plans have options for further discounts on vision, hearing, prescriptions, and even telemedicine services.
So, what's the advantage of using one over the other? It really depends on what you're looking for. Many people like the security of a traditional dental insurance policy, because they're already familiar with how they work. However, a growing number of consumers are opting for discount dental plans: even though you have to pay at the time of service, the amount you save compared with paying 100% out of pocket can be significant.
No matter which type of dental coverage you need, what should you consider as you choose the right provider and plan for you or your family? Here are several criteria to keep in mind:
TopConsumerReviews.com has reviewed and ranked the best Dental Insurance and discount dental plans available today. We hope this information helps you find the best coverage for a healthy smile at the right price!
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