TopConsumerReviews.com Best Dental Insurance Plans
      January 19, 2020

Home  >  Dental Insurance  >  Articles

Best

Dental Insurance

  1. Dental Plans
  2. Careington
  3. Spirit Dental
  4. Dental Save
  5. eHealth
  6. Avia Dental

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!
  • Compare

Your Information Is Secure
Your Guide to Good Health Insurance Newsletter

Latest Reviews

Allergy Relief

Cheesecake Clubs

Copyright Registration

Dog Treat Clubs

Home Security Systems

Painting Lessons

Tinnitus

Wedding Planning Software

 

Related Articles

Dental Discount Plans Versus Traditional Dental Plans

Dental Insurance Pros and Cons

How Can Dental Insurance Protect You?

Should Children Have Dental Insurance?

What Kinds Of Things Does Dental Insurance Cover?

 

Top Consumer Reviews Articles

TopConsumerReviews.com provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

How Can Dental Insurance Protect You?

The American Dental Association recommends seeing a dental professional at least once every six months for a cleaning and exam. Good dental health can help to prevent several other health issues, including heart disease and diabetes.

Dentists prefer to prevent dental problems, rather than simply fix them after they occur. Regular dental check-ups allow dentists to identify signs of dental disease before they progress, making them more difficult and expensive to fix.

Many people avoid going to the dentist for financial reasons. The average cost of preventative dental services, including exam and cleaning, depends on the area in which a person lives. Annual cleaning and exams run between $100 and $200 per visit. Add in dental x-rays ($30 to $100) and topical sealant used for children to help prevent cavities, and a routine visit can push close to $300.

In comparison, 42 percent of Americans do not have any form of dental insurance, making even a $100 visit to the dentist unaffordable. Those who do have dental insurance generally have it through an employer. However, there are many options on the market for those who wish to purchase their own dental insurance. The cost of the plan depends on the coverage included within it.

Most dental plans are set up in a similar fashion as health insurance plans, offering monthly premiums, deductibles and covered services. Some dental plans offer networks of approved providers at a savings. There are several kinds of plans available:

  • Preferred Provider Organization, or PPO. This type of plan offers a network of dentists who have agreed to accept payment at contracted rates from the insurer. PPO plans generally have a deductible that must be met prior to the insurer picking up the additional cost. Once the deductible is met, plans which reimburse 80, 90 or 100 percent of the cost are available. This plan will protect the patient by allowing them to know up-front how much they will be expected to cover out-of-pocket at the dentist each visit.
  • Discount Provider Organization, or DPO. These plans provide dental professionals who are willing to provide their services to patients at a discounted rate for a monthly or annual fee. This kind of plan generally does not include a deductible or payment plan; however, the patient will be responsible for the majority of the costs.
  • Dental Health Maintenance Organization, or DHMO. This plan is the dental equivalent to a medical HMO plan. DHMOs do not generally have deductibles, but rather use a co-pay system that determines the amount of money the patient will be responsible for paying at the time of service. Only dentists within the DHMO network may be used with this plan; otherwise, the patient will be responsible for the full out-of-pocket expense of the visit.

While no dental insurance plan is perfect, the alternative is less desirable. Allowing your dental health to erode to the point of needing major dental repairs is never a wise or financial sound decision. The more damage you have to your teeth, the more expensive the bill will be, with or without insurance. The best way to use dental insurance to protect your teeth and mouth is to take full advantage of it, engaging in preventative visits for routine check-ups and cleanings.

Here's How Dental Insurance Market Keep Key Segments Growth Rolling

Dental insurance is a kind of insurance intended to pay a portion of the prices associated with dental care. There are many different kinds of individual, family, or group dental insurance plans ...

Published:  Tue, 14 Jan 2020 07:23:00 GMT



Dental insurance rolls filling up as enrollment reaches record high

The state's Health Connector has something to smile about. Dental enrollment on the state's health insurance exchange has reached a record high, with over 100,000 individuals enrolling in the benefit.

Published:  Mon, 06 Jan 2020 02:33:00 GMT



Do's and don'ts for dental insurance: Make dental insurance work for you

January 6, 2020-- Many of the larger dental insurance plans have so many customers that they can dictate reimbursements to dental practices with little to no pushback. This can be frustrating, but ...

Published:  Sun, 05 Jan 2020 23:12:00 GMT



Should I Pay for Dental Care With a Credit Card?

With all that Novocain in the dentist's office, you'd think someone could develop a shot to numb the mental anguish that occurs when it's time to pay up. If you have dental insurance, that reduces ...

Published:  Wed, 08 Jan 2020 18:37:00 GMT



What to know about dental implants

Some dental insurance policies cover a larger portion of the cost. Other tooth replacement options, such as bridges, may be less expensive. However, bridges are harder to keep clean and often require ...

Published:  Fri, 17 Jan 2020 11:46:00 GMT



How To Get Free Travel Insurance-Paying For Travel Insurance Is Almost Never Worth It

What is the best travel insurance? What is the best credit card with insurance? Travel insurance is almost always a waste of money. You will likely be paying for a product that in reality may offer ...

Published:  Sun, 19 Jan 2020 04:52:00 GMT



Share of Dental Insurance 2018 Industry Trends, Size, Growth Analysis and Forecast, 2018-2025

A leading market research firm Facts & Factors (FnF) added a research report on "Dental Insurance Market" By Insurance Type (Preventive, Basic/Minor, and Major), By Mode of Distribution (Insurance ...

Published:  Wed, 08 Jan 2020 03:50:00 GMT



Share Us!   

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure