Where is the Best Place to Find Dental Insurance? 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.
Best Option
Dental Insurance is a dental coverage broker that promises the fastest way to save with trusted insurance companies you're already familiar with. Dental Insurance is a subsidiary company of Kelsey National Corporation and is headquartered in LA, California. The company has been in business for 60 years. Some of the partner insurers included on Dental Insurance's list are Ameritas, Delta Dental, Guardian, MetLife, and VSP.
Search through 30+ plans
To start searching for your dental insurance plan, you just need to click the "See Plans" button on the main page of the website. This will take you to a quick form where you fill out your zip code, county of residence, and birthday. You can also add a spouse and/or child if you want to check out family coverage. From there, you'll be taken to a scrolling list where you can compare different plans for dental insurance side by side along with a range of search filters to help narrow the field. In our area, we were shown 31 different dental insurance plans.
10+ insurance providers
Dental Insurance's database of carriers includes a wide range of popular insurers such as:
You can also expect to find PPO plans and HMO plans as well as a handful of bundled plans for those looking for coverage beyond just dental insurance. The majority of plans at Dental Insurance were PPO (24 of the 31 we were suggested). 5 of the insurance options included adult orthodontia.
Prices from $8.09 to $99.99 per month
To get accurate prices across all insurance providers, we used a test customer who is 34 years old and is looking for basic care plus orthodontic coverage in the Central Florida area. Of the 31 plans suggested for our test persona, Dental Insurance's lowest monthly cost was a Guardian plan for $8.09. This was a DHMO plan (meaning you will need to remain in-network to gain benefits). Cleanings are free with this plan, and the coverage offers reduced prices for fillings, crowns, root canals, and simple extractions. You also get a flat rate fee for orthodontia at $2,800 for adult care. The most expensive plan was a PPO+Vision bundle through Humana which cost $99.99 per month. This covers 100% of the cost of cleanings and provides discounts for fillings, crowns, root canals, and extractions with between 50-80% off on each procedure. You also get vision care with a $0 copay for exams and hearing coverage. However, even with this high monthly price, this plan does not include any orthodontia.
No price matching and a 1-month waiting period
At the time of our review, Dental Insurance did not offer any guarantees or price-matching promises for the plans offered through its platform. All of the details for the cost and enrollment will be on the page for the individual plan you choose. You will need to complete an application before you can properly enroll at a provider through Dental Insurance, and you will need to wait until the following month to be able to use your coverage.
Additional coverage on some plans
Depending on which plans you choose, you may be able to get some extras as well. Some plans come with vision and hearing coverage already added (so you don't have to pay separately). You can also add vision to any of the plans that don't offer it as a bundle through Dental Insurance, due to the company's partnership with VSP. The cost for a separate vision plan in our test area started at $11.20 extra per month.
Rave reviews for service and quality
Dental Insurance has a top-notch reputation with customers online. According to the Better Business Bureau, this company holds an "A+' rating and accreditation. Dental Insurance is popular on other third-party review sites as well. Trustpilot shows a solid 4.5-star average for this platform, with high praise for the customer service reps who helped insured members (and newcomers) resolve problems or find the best coverage for their situations. Dental Insurance's sign-up process was called "painless" by several recent reviewers, and customers are generally pleased with the insurance coverage received for the price.
Top pick for service and value
This dental insurance broker stands out as a solid one-stop shop for your dental coverage. Whether you need regular dentistry or orthodontics, you can grab a plan from Dental Insurance at an impressively low monthly cost. With almost all plans covering general cleanings 100% and impressive discounts for crowns, root canals, and more, you can expect to smile more often knowing your teeth are taken care of. With praise for the simple enrollment process and value for the cost, Dental Insurance earns a solid 5 stars in our review.
Continued from above...
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!
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Why Has Dental Insurance Become So Popular?
A person's 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 let's face it - 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 populations' 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.
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