TopConsumerReviews.com Best Dental Insurance Plans
      March 31, 2020

Home  >  Dental Insurance  >  Articles

Best

Dental Insurance

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

Your Information Is Secure
Your Guide to Good Health Insurance Newsletter

Compare Products

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

Latest Reviews

Auto Warranties

Bad Credit Loans

Batteries

Cheesecake Clubs

Creatine

Credit Monitoring

Home Gyms

iPhone Repair

Popcorn Clubs

Rowing Machines

 

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.

Dental Discount Plans Versus Traditional Dental Plans

Dental work is, without a doubt, expensive.

Routine preventative check-ups that include an exam and cleaning can cost over $100. Throw in a few x-rays and fillings if cavities are discovered, and patients can easily walk out of the dentist’s office owing a couple hundred dollars.

If you are not one of the lucky people who have dental insurance included as part of a comprehensive healthcare package through your employer, you may want to consider purchasing one on your own. Dental plans, unlike individual healthcare plans, are very affordable and the annual premiums are more stable than those of their healthcare policy counterparts. A decent dental insurance plan can cost anywhere from $7 a month to $30 a month, depending on the kind of coverage individuals which to include in the plan.

When shopping around for dental insurance on your own, it is important to know that there are two kinds of plans: dental discount plans and traditional dental plans. Let’s discuss both in detail to help you determine which plan is best for your needs.

Dental Discount Plans

It is important to note, right from the start of this discussion, that dental discount plans aren’t actually dental insurance, per se. While dental insurance offers deductibles, co-pays or even set reimbursement for dental procedures, a dental discount plan does exactly what it sounds like it does – provides dental services as a discounted rate.

Dental discount plans allow patients to visit participating dental providers on the list, who have agreed to provide dental services at a discounted rate. These plans usually come with a monthly or annual charge to participate.

These kinds of plans eliminate costly billing procedures, paperwork, annual limits on coverage and deductibles or co-pays. There is no waiting period before being approved for coverage and no exclusions due to age or pre-existing dental conditions.

However, there are some downsides to this kind of plan. Patients who use them must visit a participating provider in order to take full advantage of their benefits. They also may find themselves paying more out-of-pocket for dental services than they would with a traditional dental insurance plan.

Traditional Dental Plans

Traditional dental plans include Preferred Provider Organization (PPO), Dental Health Maintenance Organization (DHMO) or fee-for-service options.

Under a PPO, patients visit dentists who have agreed to accept payment at contracted rates from the insurer. PPOs generally include a deductible which must be met prior to services being covered. Once the deductible is met, services are covered at 80, 90 or 100 percent of the total cost.

A DHMO is very similar to its healthcare counterpart in that it requires patients to choose a “primary care dentist” and agree to use only that dental professional. If a procedure is required which that professional does not provide, the patient needs a referral from their dental insurance plan to seek help elsewhere. DHMOs do not have annual deductibles. Patients are expected to pay a co-pay at the time service is rendered.

Fee-for-service plans are the most popular and offer the most selection when it comes to receiving care. Like PPO plans, they generally contain an annual deductible be met before covering the cost of dental services. The percentage of each service covered depends on the type of service. Some dental procedures, such as crowns and bridges, may be covered at a lesser percentage than routine dental care.

Best Dental Insurance that Covers Dentures

If dentures are on your horizon, it's likely you also need to look into affordable dental insurance to help pay for them.

Published:  Mon, 30 Mar 2020 11:02:00 GMT



AARP® Dental Insurance Plan administered by Delta Dental Insurance Company

Please consult CDC guidelines for the most updated information. The AARP ® Dental Insurance Plan, administered by Delta Dental Insurance Company, offers individual or family coverage for the most ...

Published:  Fri, 18 Oct 2019 10:55:00 GMT



Law to stop dental insurance waiting periods on Maine books

A new law that prohibits insurance companies from requiring waiting periods before covering tooth decay in children is on the books in Maine. The proposal from Democratic Sen. Heather Sanborn of ...

Published:  Sun, 29 Mar 2020 20:09:00 GMT



Half of 65+ adults lack dental insurance; poll finds strong support for Medicare coverage

Another quarter said they have dental coverage because they've chosen to get their Medicare coverage through a Medicare Advantage plan offered by a commercial insurance company. In fact, 72% of those ...

Published:  Tue, 24 Mar 2020 09:34:00 GMT



Dental Insurance Market 2019: Share, Trends, Growth, Opportunities and Top Key 2027

The report covers the forecast and analysis of the dental insurance market on a global and regional level. The ...

Published:  Wed, 18 Mar 2020 04:10:00 GMT



93% of people over 65 want Medicare to add dental coverage

Another quarter said they have dental coverage because they've chosen to get their Medicare coverage through a Medicare Advantage plan a commercial insurance company offers. In fact, 72% of those with ...

Published:  Wed, 25 Mar 2020 08:28:00 GMT



Dental Insurance Market 2019: Trends, Leaders, Services and Future Forecast to 2027

The report covers the forecast and analysis of the dental insurance market on a global and regional level. The ...

Published:  Wed, 18 Mar 2020 04:10:00 GMT



John T. Will column: The dental industry is in trouble

COVID-19 is out of the bag and has only begun to wreak havoc on our nation. Opportunities to stop the transmission of this deadly virus were squandered. Precious time was ...

Published:  Sun, 29 Mar 2020 15:30:00 GMT



Editorial: Dental practice trend aches for better oversight

North American Dental Group wouldn't comment on the cases in the story ... Those have been moves in the right direction, but the controversies that remain around the high cost of health care and the ...

Published:  Sun, 29 Mar 2020 01:51:00 GMT



Dental Insurance Services Market 2020: Global Analysis, Industry Growth, Current Trends and Forecast till 2025

"Dental Insurance Services Market 2020-2025" Summary: - Wiseguyreports.Com Adds "Dental Insurance Services - Market Demand, Growth, Opportunities ...

Published:  Wed, 18 Mar 2020 01:05:00 GMT



Share Us!   

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure