TopConsumerReviews.com Best Dental Insurance Plans
      September 29, 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!

Latest Reviews

Auto Loans

Babysitters

Christmas Cards

Credit Counseling

DUI Lawyers

Fruit Clubs

Home Brew Beer Supplies

Homeschool Supplies

Music Publishing

Senior Care

 

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.

Dental and health insurance are converging. Here's what it means for patients and payers

With the momentum for bundling with health plans growing and competition from ancillary insurers heating up, only those dental health insurance providers who take proactive steps to stake out a place ...

Published:  Fri, 18 Sep 2020 14:37:00 GMT



New Study: Preventive Dental Care Significantly Reduces Risk of Serious Illness for Patients on Mechanical Ventilators

Preventive dental visits reduce risk of ventilator-associated pneumonia, which poses a serious problem for those afflicted with COVID-19 and reliant on mechanical ventilation Boston, MA, Sept. 28, ...

Published:  Mon, 28 Sep 2020 06:07:00 GMT



Dental Insurance Market to Garner $237.11 Billion, Globally, by 2027 at 10.7% CAGR, Says Allied Market Research

Allied Market Research recently published a report, titled, "Dental Insurance Market by Coverage (Dental Preferred Provider Organizations (DPPO), Dental Health Maintenance Organizations (DHMO), Dental ...

Published:  Wed, 16 Sep 2020 06:50:00 GMT



Brush up on dental basics

Get free double whitening this month with PPO dental insurance. For those without insurance, check out the MINT Dentistry discount p ...

Published:  Mon, 28 Sep 2020 08:46:00 GMT



Dental Insurance Market Expected to Reach $237.11 Billion by 2027

According to a recent report published by Allied Market Research, titled, "Dental Insurance Market by Coverage, Procedure Type, Demographics, and End User: Opportunity Analysis and Industry Forecast, ...

Published:  Wed, 16 Sep 2020 14:43:00 GMT



New Dental Treatment Helps Fill Cavities and Insurance Gaps for Seniors

A new treatment for tooth decay is cheaper, quicker and less painful than getting a filling. Originally touted as a solution for kids, silver diamine fluoride is poised to become a game changer ...

Published:  Tue, 15 Sep 2020 02:00:00 GMT



Private health insurance premiums are going up this week. But the reasons why just don't stack up

Professor Yuting Zhang receives funding from Australian Research Council Future Fellowship and National Health and Medical Research Council's Medical Research Future Fund. Private health insurance ...

Published:  Sun, 27 Sep 2020 12:59:00 GMT



Some workers face looming cutoffs in health insurance

Not only are businesses shedding workers, with the nation's unemployed numbering roughly 13.6 million, but employers are also cutting expenses like health coverage, and projections of rising numbers ...

Published:  Mon, 28 Sep 2020 08:00:00 GMT



ODS to provide state-of-the-art digital dental tools for Medicaid members and providers

PRNewswire/ -- Dental Optimizer, a suite of award-winning dental tools, in partnership with ODS Community Dental, is being developed for Medicaid providers and subscribers. The insurance-sponsored web ...

Published:  Fri, 25 Sep 2020 14:00:00 GMT



Dental Bone Graft Substitute Market Set to Register 7.9% CAGR During 2020-2027

Selbyville, Delaware Market Study Report newly added, Dental Bone Graft Substitute Market provides a comprehensive analysis of the Dental Bone Graft Substitute market segments, including their ...

Published:  Mon, 28 Sep 2020 03:02:00 GMT



Share Us!   

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure