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Dental Insurance Reviews

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DENTAL PLANS

Discount Dental Plans are an affordable alternative to dental insurance for individuals, families, and businesses (group plans). Dental Plans has been a leading online marketer of discount dental plans since 1999 and offers over 30 top rated discount dental plans from quality carriers like Aetna Dental Access, Preferred Network Access, and GE Wellness Plan.

The discount dental plans offered by Dental Plans include an impressive savings from 10% to 60% on various dental procedures including routine six-month check-ups, full mouth x-rays, braces, fillings, root canals, adult and child teeth cleanings, and other dental care procedures. Individual plans are affordably priced from $79.95 to $154.95 per year, depending on the company you choose. Family plans starts as low as $129.95 per year.

The Dental Plans website is professional and very easy to use. You just enter your zip code to see all the featured plans available in your area. Each plan is conveniently presented along with its savings and benefits, allowing you to quickly compare and choose the plan that's right for you.

You can also search Dental Plans by zip code to find participating dentists in your area. If you don't see a particular dentist that you're interested in, you can do an advanced search to see if that dentist is available in any of the other plans offered.

Dental Plans also features additional information, such as:

  • a comparison between discount dental plans and dental insurance
  • customer service professionals that can help you determine the most suitable plan for you and your family
  • customer testimonials from some of their thousands of satisfied customers

Dental Plans offers a top-quality service that delivers real cost savings to its customers. Based on their professionalism, value, and ease of use, Dental Plans is our top-rated choice.

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DENTAL INSURANCE

Dental Insurance offers multiple discount dental plans on their website. Once you enter your ZIP code, the plans that are available in your area appear. Dental insurance carriers include Patriot Dental Plan, Careington 500 Series, Aetna Dental Access, CompBenefits, Security Life, Symetra Financial, and Ameritas Group. The nice thing about Dental Insurance is that you can see side-by-side comparisons of all their carriers with plan information and pricing. This is very helpful as you look for the plan that best meets your needs.

The plans list monthly pricing for individuals, individuals + 1, and families. Pricing is based on ZIP code, so the costs will vary based on your location. In our testing, we found the ranges for Individual pricing went from $7.95 per month to $40.68 per month; Individual + 1 pricing ranged from $11.95 per month to $81.47 per month; and Family pricing ranged from $15.95 per month to $122.05 per month.

Dental Insurance's discount dental plans can save participants 10% - 40% on dental visits. Products and services covered include adult and child teeth cleanings, routine check-ups, four bitewing x-rays, composite (white) filing, crowns, upper dentures, molar root canals, and tooth extractions. You can also search to see if your dentist is in the network for each of the plans.

The Dental Insurance website provides a number of plans to choose from and a list of FAQ's. If you have additional questions, you can call a toll-free number for further assistance. Dental Insurance earns high marks for the quality information they provide.

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EHEALTH INSURANCE

eHealthInsurance offers dental insurance plans from several reputable companies including Bay Dental Plan, Security Life, Blue Cross Blue Shield, and First Ameritas Life. Plans and pricing vary based on your ZIP code.

eHealthInsurance's dental plans are predominately indemnity plans or PPO plans. Benefits vary accordingly, but most include a yearly deductible between $50 and $200. Coinsurance levels vary between 10% and 50%. Primary benefits include teeth cleanings, fillings, extractions, oral surgery, x-rays, crowns, bridges, root canals, and so on. All quoted plans include an online dental directory, A.M. Best rating, and a list of exclusions and limitations. Individual plans are priced anywhere from $17.10 to $40.68.

eHealthInsurance offers a number of ways that you can get assistance. You can call a toll-free number to speak to a representative, use their online help, or use their online insurance tutorial. They also offer answers to "common questions" regarding dental insurance plans to help you choose the plan that best meets your needs.

Overall, the eHealth Insurance website is professional, easy to navigate, and we appreciated the amount of help provided. However, this website is not as comprehensive as the higher-rated services.

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Dental Insurance

Nobody wants to get plaque, gingivitis, or cavities. But what can you do if you are not covered by a dental insurance plan? According to the American Dental Association, this is exactly the situation that over half of the American public faces today.

One alternative is to subscribe to a non-insurance dental plan, also known as a discount dental plan. These types of plans have been around since the early 1990's and offer a fee-based benefit program that gives members discounts on various dental services including fillings, exams, routine cleanings, and so on. These plans are designed for individuals, families, and groups looking to save money on their dental care needs.

Unlike traditional insurance plans, discount dental plans do not have annual limits, health restrictions, or messy paperwork to wade through. Subscribers pay monthly or yearly membership fees, and, in turn, receive discounts on dental services. Participating providers agree to accept this discounted fee from plan members as payment for services performed. However, keep in mind that in most cases this fee is due at the time of service.

There are many Internet services available to provide both dental insurance and discount dental plans. When looking at different dental insurance services, there are certain factors you need to consider. Some of these include:

  • Services.  Does the website offer dental insurance or dental plans that meet your needs?
  • Support.  If you have questions, can you contact someone to get assistance? Does the website provide information that can help you make informed decisions?
  • Upfront Pricing.  Can you compare dental insurance costs and benefits to make an educated decision?

TopConsumerReviews.com has reviewed and ranked the best dental insurance providers available today. We hope this information helps you find the right dental plan for your needs!



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.

 



Dental Insurance In The News

When is insurance not really insurance When you need pricey dental care

I'm 61 years old and a San Francisco homeowner with an academic position at the University of California-Berkeley, which provides me with comprehensive health insurance. Yet, to afford the more than $50,000 in out-of-pocket expenses required for the ...

Published:  Mon, 21 May 2018 07:05:00 GMT



Dental Consumables Market will witness the highest growth rate of 12.3% during 2017-2023

Additionally, the fastest uptake of new products in the U.S drives the dental consumables market. Concentration of the major healthcare companies in the developed countries of this region coupled with large insurance penetration is also adding fuel to the ...

Published:  Thu, 24 May 2018 05:13:00 GMT



Beam Dental raises $22.5M from Kleiner Perkins, opening new Columbus HQ

The Columbus technology company that pairs dental insurance with an internet-connected toothbrush also announced Wednesday that it opened a new downtown headquarters and plans to create 75 jobs over three years. Operating in 16 states including Ohio ...

Published:  Wed, 16 May 2018 12:58:00 GMT



Chubb Adds Dental Malpractice Insurance, Underwritten by The Doctors Company, to Its Small Commercial MarketplaceĀ® Platform

WHITEHOUSE STATION, N.J., May 15, 2018 /PRNewswire/ -- Chubb and The Doctors Company are now offering dental malpractice insurance to dental professionals through Chubb's Small Commercial MarketplaceĀ®. Specifically designed for general dentists ...

Published:  Tue, 15 May 2018 12:28:00 GMT



State Fair Community College Board adopts insurance plans

Accepted the renewal proposal from Guardian Life Insurance Company of America Dental Insurance for dental insurance for fiscal year 2019. The board-paid proposed rate for each full-time employee is $26 per month. The rates represent an increase of 8.4 percent.

Published:  Tue, 22 May 2018 19:24:00 GMT



Girl who can't feel pain battling insurance company

But Gabby's insurance provider, Aetna ... "Ms. Gingras is a member of an Aetna medical plan. She does not have a dental plan through Aetna. Dental services including replacement of teeth or structures directly supporting the teeth, and specifically ...

Published:  Thu, 24 May 2018 05:12:00 GMT



New report examines the dental biomaterial market

Inflammatory reactions caused by biomaterials, stringent regulation and reluctance of insurance agencies to reimburse dental biomaterial is challenging the growth of the dental biomaterial market. The global dental biomaterial market can be segmented on ...

Published:  Wed, 23 May 2018 23:32:00 GMT



Creating while disrupting: Root Insurance's plan to add 460 workers keeps jobs in Columbus while challenging industry models

Root, which sells auto insurance and measures members' driving safety via app, is joined by Beam Dental, which pairs its employer-based dental plans with smart toothbrushes that gather hygiene data. Columbus also has a startup accelerator focused in ...

Published:  Mon, 21 May 2018 09:19:00 GMT



Beam Dental Raises $22.5 million Series C Led by Kleiner Perkins to Reimagine Dental Insurance for Small and Medium-Sized Businesses

COLUMBUS, Ohio, May 16, 2018 /PRNewswire/ -- Beam Dental, a next generation provider of dental insurance for small and medium-sized businesses, today announced it has raised $22.5 million in Series C funding led by Kleiner Perkins. The company will use the ...

Published:  Tue, 15 May 2018 21:50:00 GMT




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