Thousands of Quality PPO Dentists with All of Our Plans. Exceptional Service for Children, Adults, and Seniors.
Preventative, Basic, and Major Dental Care in One Plan. Includes High Annual Payouts and Incentive Based Benefits.
Get Coverage Right Away on All Dental Services including Major Work. Great Options for Emergency Care.
Lower Premiums for Customers with Healthy Teeth that Are More Budget Focused.
We work closely with dental companies of all kinds to source a portfolio of dental plans for individuals, couples, families, seniors, and more. We focus on delivering the best dental care at the best prices and there is no extra cost to use our service.
We offer broad array of dental plans nationwide from different companies. This allows our team to hand-select the best mix of dental insurance or dental plans for our customers. The result is getting the most dental coverage at the best price for your particular situation. Whether you are on a tight budget or you need premium dental access, we can enroll you in a perfect plan!
All of the dental plans that we offer are carefully selected based on the quality of dentists and dental professionals that participate in the network. We only work with dental companies that have rigorous qualifying and quality control criteria. Standards for our customer's dental care is our #1 priority.
According to research carried out by the American Dental Association, the number one reason that keeps more than half of the population away from the dentist is the cost of dentistry. This is such a worrying trend especially at a time when top dentists reckon that the signs and symptoms of nearly 120 medical conditions can first be determined by checking the mouth, throat and neck regions.
So what does this mean? It implies that dental care services and dental plans are all important today than ever before. Well, the good news is that the solution is always readily available and again it is something we may know quite a lot about. Most of the American households have opted for dental insurance plans to help satisfy their dental care needs at the time of asking.
If you still hold second thoughts about these marvelous plans then you could be missing a lot because plenty of individuals are already reaping the benefits. But at least we got you covered in this regard because this article provides a comprehensive coverage of the dental plans in the USA and it is our belief that after reading this piece, you will find it worthy to jump into the bandwagon.
Indemnity Dental Insurance Plan
Have you heard of Indemnity Insurance Plan before? Well, these plans require you to pay dentists directly for the dental services provided. If you are covered by this dental insurance plan, you receive compensation from the insurance company by submitting claim forms.
Dental Indemnity Insurance plan comes with some limitations in the sense that you will have to wait a long time before receiving your reimbursement from the dental insurance provider. Besides, you are also expected to pay the difference if the dentist’s fee is higher than the reimbursement.
Group members or families on an indemnity insurance always have all the freedom to change dentists, choose dentists as well as see a dental specialist without a referral. That this type of plan offers its members so much freedom has not done much to prevent many individuals, businesses and families from shying away from it thanks to the costly premiums, exhausting claims procedures and high annual deductibles that come with it.
In summary, indemnity dental insurance plans are designed to insure groups, so they are never the best option for individuals and families seeking dental insurance.
Dental Preferred Provider Organizations (PPO)
Well known for their flexibility, Dental PPO insurance plans are very popular among the majority of American households. PPO dental insurance plans not only offer better service but they also have fewer limitations compared to HMO dental plans.
However, on their downside, PPO dental insurance plans are often more costly. Nonetheless, many businesses use this type of dental insurance plan to provide their employees with a considerable dental benefit. Likewise, PPO dental insurance plans are also used by families and individuals. But how exactly do these insurance plans work?
Well, DPPOs are managed care organizations with a network of dentists under contract with a dental insurance carrier. This network of dentists provides its members with special rates on dental care. More often than not, these rates are lower if the insured member chooses a primary dentist and dental specialists from the dental PPO network.
Then again, when insured, you still have the freedom to select a dental care provider outside of the established network.
HMO Dental Insurance Plans
Dental Health Maintenance Organizations (DHMOs) are always a cheaper alternative to PPO dental plans and dental indemnity insurance plans. With HMO dental insurance plans, a network of dentists is under contract with the dental insurance company offering dental services to insured members at pre-determined rates.
These types of insurance plans are commonly used by businesses looking to insure their employees but they can also be used by families and individuals as well. One of the biggest advantages of HMO dental plans is their lower premiums compared to other dental insurance plans.
However, you have to choose a primary dentist from a pre-approved list if you are insured with HMO dental insurance plans and it is this primary dentist tasked with providing all referrals to dental specialists.
Understanding Dental Insurance Plans
Dental health insurance plans vary a great deal making it all important to understand how your plan is designed as it can really affect the plan’s coverage not to mention the out-of-pocket expenses. Despite the differences in the individual features of plans, here are some of the groups of the most common designs.
Direct Reimbursement Programs
Direct reimbursement programs compensate patients a predetermined percentage of the total amount spent on dental care, the treatment category notwithstanding. This method does not exclude coverage based on the type of treatment needed, allows you to visit a dentist of your choice and provides an incentive for you to cooperate with the dentist towards healthy solutions.
Usual, Customary and Reasonable (UCR) Programs
UCR programs typically allow you to visit the dentist of your choice. These plans pay a percentage of the dentist’s fee or the plan administrator’s “customary” fee limit (Whichever is less). These limits result from the contract between the plan-purchaser and the third-party payer.
The idea that these fees are referred to as “customary” does not make them so reliable because they may or may not give the exact reflection of the fees that are charged by area dentists. The fluctuation of these fees is just so wide in addition to the lack of government regulation on how a plan sets the limits of the “customary” fee level.
Table or Schedule of Allowance Programs
These programs determine a list of covered services with a designated dollar amount. The dollar amount represents the amount that will be paid by the plan for the services covered irrespective of the fees charged by the dentist. And now it is the difference between the dentist’s fee and the allowed charge that is billed to the patient.
Capitation programs pay contracted dentists a fixed amount for every enrolled family or patient. Consequently, the dentists agree to offer specific types of treatments to the patients at no charge. The capitation premium paid may largely differ from the amount provided by the plan for your actual dental care.
So having looked at the three basic types of dental insurance plans, it is essential to understand how dental plans help individuals save money. Now, it is common knowledge that oral health has a direct impact on your whole body. Thankfully, dental insurance plans are always readily available to help you save money on necessary dental care including x-rays or crowns.
You can always buy a dental insurance as a standalone policy or most commonly, as part of your health insurance plan. Regardless of the path you choose to tread, be sure to enjoy the many benefits of dental insurance plans once you have opted for one. Some of the major benefits of dental insurance plans are outlined below.
Promoting Oral Health
An old adage states that prevention is better than cure. Now, this is exactly where the current dental professionals focus their efforts. With the funny lifestyles of the current population, developing a major dental condition is never impossible, making regular checkups the only viable option to prevent you from facilitating the progression of minor dental problems into more painful issues.
This feat is made possible by the dental insurance plans especially with many people constantly complaining about the high cost of dental services in major facilities.
Now, how would you enjoy the idea of getting your desired dental service at a relatively lower cost than you anticipated? It is fascinating, to say the least. Now, this is exactly what dental insurance plans provide. Most of these plans are always inexpensive compared to making payment out-of-pocket dental costs for preventive and basic care.
Offering Financial Protection in case of Dental Emergencies
Have you ever thought of what would happen if you suddenly developed a serious dental emergency but had no funds to cater to an urgent dental care service? Would borrowing money be your only solution?
With dental insurance plans, that is never the case because even if serious dental problems such as a dental abscess, broken crown or a chipped tooth were to happen, your dental insurance carrier would fund the resultant medical expenses and ensure you resume your normal duties as soon as possible. We can agree that dental insurance plans can rightfully lessen the burden of unexpected dental expenses.
Protecting the Whole Body
A research done by the Academy of General Dentistry reckons that 90% of the body’s diseases first manifest in the mouth. So what does this mean? It means that by opting for a dental insurance plan to ensure your oral health, you are actually protecting your whole body against serious infections.
Well, dental savings are ideal for families, groups and individuals yearning to save money on their dental care needs. Once you enroll in this plan, you can save 10%-60% on the typical cost of dental care and treatments at a nationwide dentist’s network featuring more than 100000 dentists. The participating dental care providers have unanimously agreed to accept a discounted fee from dental savings plan members.
As a member, all you got to do is to present your membership card each time you visit any participating plan provider and you will receive most dental services at discounted fees. Consequently, you pay the discounted rate to the dentist.
Benefits of Dental Savings Plans
The benefits of dental savings cannot be understated. With dental plans, it is not only all about getting quality dental care services but also saving plenty of cash in the process. The proven benefits of dental savings plan include no co-pays, no deductibles, no paperwork hassles, no waiting periods, no restrictions on getting immediate treatment for pre-existing or expensive procedures and no yearly limit on how frequent you can use your plan to save at the dentist.
Joining a discount dental plan will undoubtedly enable you to save more cash on most dental care services. Another benefit of dental savings plans is that you can use the discount within just a few days of your signup. What does this mean? It creates an implication that at least you can wait to buy one until you need work done.
Who Might Need a Dental Savings Plan?
Which individuals are well suited for dental savings plans? You may ask. Well, these types of plans may be a viable option for individuals with no access to dental insurance plans or fellows who need those services not covered by insurance.
The possible groups include senior citizens lacking a dental insurance under Medicare or younger individuals looking to enjoy discounts on services such as teeth whitening which is literally never covered by traditional insurance. Dental insurance plans can be a solution too if you need a dental service that is more costly than what your dental insurance plan will pay.
So having looked at what dental plans are, some of their benefits and their target audience, it is worth knowing how you can find a suitable dental savings plan.
How Can You Find a Dental Savings Plan?
Now, certain companies provide the plans as part of their employee benefits package. In such cases, these plans are available through groups and associations in addition to existing directly from the major insurance companies.
If you have a dentist you really like then you can ask him or her if they take part in any dental savings plan and how much you could save with it. It is not an offense if you are open to new dental care providers and if that’s the case then you will need to call a few who are in the plan you wish to enroll for and find out if the savings would be worth giving a try.
Many dentists participate in dental savings plans and you can always get a member list from the plan’s sponsor. Just some caution. It is most noteworthy to bear in mind that despite many reputable companies offering dental savings plans, the whole industry has attracted certain fraudsters.
You can avoid such scams by requesting to be mailed information before you make any payment. You also need to shy away from high-pressure salespeople. It is essential to check with your state’s insurance regulator or the Better Business Bureau if a company has had any complaints labeled against it in the past.
How Long Does It Take to Activate Your Dental Savings Plan?
As soon as you join the discount dental savings plan of your choice, you can start saving on many quality dental care services. Most of these plans generally activate within three business days, meaning that you can start saving right away.
Once you have printed out your membership card and Online Membership Package, you can locate a nearby participating dental care provider and make an appointment. Simply show your membership card upon arriving at your appointment to be sure that you are charged discounted fees in line with your plan. Payment for the services undertaken is due at the time of service and there are never any paperwork hassles to worry about.
What is a Dental Network?
A network is simply an organization made up of a group of medical providers, in this case, dentists. A dental insurance provider uses a dental network to offer clients of that insurance company easy access to a large number of dentists that will accept their insurance.
Consequently, dentists in the network will have access to a wider range of potential patients. It is this dental network that also determines the fee schedule that the dentist can accept from an insurance company. So it is clear that a dental network frees both the insurance company and the dentist from the administrative work of setting the limits of the fee schedules for individual procedures.
Benefits of Dental Networks?
Have you ever considered why you should care about dental networks in the first place? When you think about some of the important things in a dental plan for your company, you probably have such things in mind as deductibles, premiums and coverage levels.
All these may be important but again without a great network, you won’t be able to take full advantage of your dental benefits. That said, here are some of the benefits of dental networks. Firstly, a dental network allows you to access a large number of providers. A provider, on the other hand, joins a network to attract more patients and streamline some administrative processes by accepting a price list determined by the network.
Finally, visiting an out-of-network dentist might not mean that the service is not covered, instead, it might only mean that the coverage is not of the same level to what you would get from visiting an in-network dentist.
In-Network or Out-of-Network: How do Provider Networks Work?
Dental insurance plans feature both in-network and out-of-network providers. In-network providers are contracted to your insurance company. This contract states that the specific dental office can only charge you a certain amount each time you visit them and that the dental office has to file a claim with the insurance company in order for their office to be paid the rest.
Out-of-network providers, on the hand, do not have a contract with your insurance company. What does this mean? It creates an implication that they can charge you the full amount of service at the time of your visit after which you can file a claim with your insurance company.
Your insurance may then reimburse you for part of this bill or none at all. Whether they compensate you or not will depend on many factors such as the insurance company you use, the type of treatment you received and the total cost of the visit.
Dental Discount Plan Network Providers
By now, you already know that discount dental plans have a different mode of approach to their work compared to the traditional dental insurance plans. Discount dental plans are never insurance and as a result, they use a network of dentists who agree to offer discounted rates of service directly to the plan’s members. The good thing with discount dental plans is that it benefits both the patient and the dentist.
The dentists in the network have contracted to provide these discounted fees. Therefore, you can only obtain the savings at a dentist within the specific network since dentists outside of the network have not agreed to offer the discounted rates.
In summary, it is understandable that the cost of most dental care services can be so costly. But the good news is that the best solution is readily available at your doorstep. Think about dental insurance plans each time you think about dental care services. And if that’s not your path, you can try out dental savings plans. All in all, ensure your oral health is well taken care of because it is key to your overall health, self-confidence, and well-being. There could be no better time than this.
Just as important, do you really know how a dental insurance plan works? If not then simply relax because we’ll cover that bit in a moment. If you are well conversant with health insurance plans then you will realize that dental insurance plans are more or less the same as such plans only that dental insurance plans primarily focus on covering low-cost preventive treatments.
Most of these plans will cover 100% of the expenses for preventive care such as checkups, cleanings, and x-rays, 80% of basic treatments like fillings and 50% of more complex and expensive treatments such as crowns and root canals hence the “100-80-50 coverage” that is commonly associated with dental plans. Following the purchase of a dental insurance plan and paying your premiums, most preventive care such as cleanings and check-ups will be covered as soon as immediately.
However, more complicated procedures require you to meet your deductible first after which you will only be paying a percentage of the cost while your dental plan pays the rest. Just as simple as that. As simple as ABCD if you like. The three terms commonly associated with dental insurance plans are “deductible, copays and coinsurance and out-of-pocket maximum.”
To begin with, the deductible is the amount of money you will have to spend out of pocket before coverage comes in. Copays and coinsurance, on the other hand, are the portions you pay for visits and treatments. Coinsurance is always a percentage of total expense while copays are a flat dollar amount.
Finally, the out-of-pocket maximum is the maximum amount your plan demands you spend on your dental care. Your dental plan will happily cover 100 percent of your dental expenses if you reach the out-of-pocket maximum.
The approximate cost of an individual dental insurance policy is nearly $350 annually. The cost is approximately $550 for a family on a yearly basis. But again there are some issues you need to understand in order to have a good grasp of what dental insurance plans actually entail. Here are the three major features outlined below.
Predetermination of Costs
Certain dental insurance plans will urge your dentist to submit a treatment proposal to the plan administrator before you can receive the treatment. The administrator will review the proposal and may determine your eligibility, eligibility period, your required co-payment, services covered and the maximum limitation. Some plans require that a treatment is predetermined exceeding a specific dollar amount.
Annual benefits Limitation
Your dental insurance plan may limit the benefits by the number of procedures in a given year in order to help contain the costs. These limitations allow for sufficient coverage on many occasions. Having a prior knowledge of what and how much the plan allows enables your dentist to easily plan treatment that will help reduce out-of-pocket expenses while at the same time maximizing compensation offered by your plan.
Peer Review for Dispute Resolution
Did you know that most of the dental insurance plans provide a peer review mechanism through which disputes can be resolved to eliminate many expensive court cases? The disputes may involve third parties, patients, and dentists. Peer review is in place to ensure fairness and thorough examination of records, procedures, and treatments to solve disputes satisfactorily for all parties involved.
What’s not covered?
As mentioned earlier, dental plans are akin to health plans. And it appears that these two plans have just plenty of things in common. That said, it is worth noting that even full coverage dental insurance plans have some restrictions on the services they offer.
For instance, be sure to fund your cosmetic dentistry procedure from your pocket if you choose to have one. Cosmetic dentistry includes procedures such as gum contouring, veneers and teeth whitening. Braces can be covered but you may expect limitations including a payment cap.
So having taken a close look at some of the things covered by dental insurance plans and what’s not covered, it is worth understanding the key factors to consider when selecting a dental insurance plan. Choosing a dental insurance plan is just one such an important decision as choosing a dentist.
And for some reasons, picking a suitable plan can be more challenging than you earlier anticipated. One or more visits to a dentist can be enough for you to find out if you and the practice can form a good partnership for a long-term cooperation.
Firstly, if you have a dentist and you would want to keep working with him or her then you can ask your dentist some of the insurance plans the office recommends. But if you don’t have a dentist or you have no problem going to a new one, you can buy an insurance plan that offers the coverage that you and your family will need now and in the future.
The one good thing with dental services is that save for dental emergencies such as breaking a tooth, most dental costs are always easy to anticipate. Most of the less obvious dental needs can be determined by routine checkups including x-rays to check the overall condition of the teeth, gums, and jaw.
Other important needs to consider are finding out whether you or your family member may need special care such as braces, dentures or tooth implants. These are never covered as exclusively as routine care such as fillings. So ideally, the cost is probably the most important factor to consider when choosing a dental insurance plan. You should be able to see the cost of your specific plan online.
Participating dentists also matter when it comes to choosing the most suitable dental insurance plan. Remember you don’t really want to be dealing with some random dentists each time you make a trip to the clinic…or do you?
Well, you need to ascertain that participating dentists are available nearby and you can easily get to an office that accepts their plan. The biggest favor you can do to yourself is going online on the specific website for the plan and checking out the list of participating dentists.
Covered services are also just as important as the affordability of the plan. You should take a close look at the covered services plus any imposed waiting periods. Enrolling for a dental insurance plan is an indication that you are in need of a particular dental service so it is all important to begin by finding out if your desired services are actually covered by the plan.
Limitations of Dental Insurance Plans
Are there any limitations of dental insurance plans? You might be wondering. Well, most dental insurance plans limit the amount of care you can receive annually in a bid to control costs. This is achieved by placing a limit or a dollar “cap” on the number of benefits you can receive or by simply restricting the type or number of services covered.
Certain plans may completely exclude some services or treatments in order to lower costs and it is essential to understand specifically what it covers and excludes.
However, some limitations and exclusions are accommodated in most dental insurance plans to prevent the dentistry costs from rising without penalizing you.
For instance, all dental plans exclude experimental procedures and those services not carried out under the supervision of a dentist. It is worth noting that sometimes, medical health insurance and dental coverage may overlap, hence, it is necessary to read and understand the terms and conditions of your dental insurance plan. You may just realize that exclusions in your dental insurance plan may be covered by your medical insurance.
That plenty of individuals confuse dental insurance plans with dental savings plans also known as dental discount plans is pretty normal but again these terms are very different as you will find out in a short while.
Now, whether a dental insurance plan, a dental discounts plan or a combination of the two is ideal for you will largely depend on the amount of dental work you and your family get on a yearly basis and how much money you are paying out of your pocket. That said, do you know how dental savings plans work