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      November 17, 2019

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Dental Insurance vs eHealth

Best Dental Insurance Plans

To help you find the Best Dental Insurance Plans, TopConsumerReviews.com provides you with an in-depth comparison of Dental Insurance and eHealth.

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Where can you get the best dental insurance? 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.

Continue reading below reviews

Best Reviews

2019

Dental Insurance Reviews

5 stars
Dental Insurance

DENTAL INSURANCE Visit Site

Cost:

Plans start at $6.95/month

Benefits:

Plans from at least 9 different providers

Vision plans also available

Plans:

Dental Insurance

Discount Dental Plans

TopConsumerReviews.com Best-In-Class Blue Ribbon Award Dental Insurance is the internet's best resource for both kinds of dental coverage: traditional insurance and discount plans. When using the Dental Insurance site to shop for coverage, you'll have access to a variety of providers.

In our testing, we found plans offered by the following providers:

  • AmeriPlan
  • Ameritas
  • Argus
  • Delta Dental
  • Guardian
  • HumanaOne
  • Nationwide
  • Renaissance
  • Solstice

You start by entering your zip code to find plans in your area. Then, if you know you want a particular provider, you can select from the filters on the left side of the page. These filters also let you sort your options by Plan Type (such as Dental HMO, Dental Prepaid, Discount Card, Indemnity, or PPO) or Monthly Cost.

Naturally, your monthly or annual costs will vary depending on the dental coverage you select, but at the time of our review the lowest-priced plan in our region was the discount card offered by Argus. For $6.95/month for an individual or $14.95 for households of 2+ members, your coverage would include $50 cleanings, $80 fillings, $640 for a crown, and unlimited use of discounts.

The lowest-priced dental insurance plan in our area was also offered by Argus as an HMO. Monthly premiums ranged from $7.95 for an individual to $21.55 for a family of 3 or more, and sample pricing for services included free cleanings, $80 fillings, and no plan maximum or waiting period.

We like how this site spells out very clearly the basic information about each plan, with further details and a dentist provider search just a click away - although we would love to see Dental Insurance add a feature that allows you to search for a dentist and then see which plans are accepted by his or her office. Be sure to pay attention to the first box below each provider name: that's where you can see right away if it's a traditional dental insurance plan or a discount card.

We really appreciate the section that tells you any deadlines for getting coverage. For example, the Argus plan mentioned above required us to apply by the 25th of the month to get coverage on the first day of the following month, while AmeriPlan usually becomes effective within 48 hours of submitting the application.

You can select up to three plans to see a detailed comparison, if you're having trouble narrowing down your choices. We strongly encourage you to verify that there are dentists in your area that accept the plan you choose before making your purchase. For instance, the Argus dental insurance mentioned above was listed as available in our area, but the provider search turned up no participating dentists in our area.

Dental Insurance is operated by Kelsey National Corporation, which has been in business for over 50 years. The company has a stellar "A+" rating with the BBB and zero registered complaints as an accredited business there. This service also has licensed insurance agents available via toll-free number, Monday through Friday from 6am to 6pm Pacific Time, if you need help getting a quote, finding the right plan, or enrolling in the plan you've selected.

There's just no easier way to shop for traditional dental insurance and discount dental plans than the Dental Insurance site. No matter what type of coverage you want, this service will help you get the right plan for you, your significant other, or your whole family. Dental Insurance earns our highest ranking and is our recommended choice when shopping for dental insurance coverage.

Visit Site

3 stars
eHealth

E HEALTH Visit Site

Cost:

Plans start at $8/month

Benefits:

Site includes many types of insurance beyond dental (such as vision, accident, illness)

Help is available via toll-free number from licensed insurance agents

Plans:

Dental Insurance

eHealth, also known as eHealthInsurance, was founded in 1997 and was responsible for the very first internet-based sale of an insurance policy just a year later. The company was created with the mission to make it possible for individuals and families without insurance coverage to find what they needed easily and affordably. This site could be a good resource if you need one-stop shopping for a wide variety of insurance products, from health/dental/vision coverage to more specialized needs like pet insurance and travel insurance.

eHealth only offers traditional dental insurance plans, not dental discount programs. Although the eHealth site says that plans start at $8 per month, there were no available plans at that price point in our area. The lowest price in our area for a person of our sample demographic was $11.99/month. This is different from the other services in our review: each time we looked up plans in our area on those competitor sites, we were always able to find coverage at the advertised lowest available premium cost.

If you have a target budget or a type of plan (HMO, PPO, etc.) that you prefer, you can use the sort and filter options to narrow down the results. Once you've identified a plan that interests you, click on the details button to learn more: Overview, Primary Benefits, Additional Information, and Details and Documents. You'll also see any available add-ons that may or may not be with the same insurer as the dental plan: Vision coverage, Accident insurance, etc.

Our results list included dental insurance plans with the following carriers:

  • Humana
  • UnitedHealthcare
  • Nationwide
  • Ameritas
  • Delta Dental
  • The IHC Group
  • Renaissance Dental

These providers offered plans running the gamut from PPO to HMO and Indemnity, and many of them had annual benefit limits from $1,000 to $3,000 per covered person. One plan, the Multiflex Dental Advantage Plus plan by Nationwide, had a monthly premium of $19.18 and an annual maximum coverage limit of $300; doing the math, that means a subscriber would be paying almost $240 a year for a coverage limit of $300. You'll definitely want to run the numbers in your situation, to make sure the plan you choose is worth the premiums you'll spend.

Using the eHealth site felt confusing and complicated. The service offers a toll-free number Monday-Friday from 9A-7P EST for people who need help, but we would have liked to see a live chat option too. We also didn't see anywhere to check if any of the dental insurance plans had providers in our area. In other words, to see if a plan would be accepted by our preferred dentist or to see if there are any in-network dentists near us, we would have to visit each insurer's site to make the determination. That leaves a lot of room for accidentally selecting the wrong plan (between the eHealth site and the insurers') and not getting accurate information about the dentists in our area.

eHealth has a good reputation and we like that they offer licensed insurance agents to help with a broad range of coverage products. But, if you're also looking to comparison shop for dental discount plans or you're not comfortable doing some legwork on your own to find out which plans have dentists nearby in their network, this might not be your favorite source of dental insurance plans.

Visit Site

Continued from above

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:

  • Type of Plans Available. If you already know you want a discount dental plan or traditional dental insurance, does the site offer it? How many providers are included? Can you choose from a wide range of plans, premium levels, and options?
  • Pricing. What will you pay for your coverage? Do you have the option to pay monthly or annually as you prefer? Will the dental insurance or discount plan save you enough money to justify the premiums and any enrollment fees?
  • Reputation. What do others have to say about their experience using the service and/or the plans provided? Is the company rated by the Better Business Bureau?
  • Support. Many dental insurance websites have licensed agents available to help you with your decision, assist you in completing the enrollment, and so on. How easy is it to get help if you need it?

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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