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Top Dental Discount Plans For Individuals

Top Dental Discount Plans For Individuals

Just because dental costs are rising doesn’t mean you should let those high prices keep you from getting the dental care you need. This page showcases the best plan comparison options to help you find affordable individual or family coverage from the major companies and providers.

There are two basic options for dental coverage. You can either take out an insurance policy or enroll in a dental plan. A dental policy is similar to a typical health insurance policy. There are premiums, deductibles and varying types of coverages. The second option involves joining a plan where as a member of the group you receive discounted services from participating providers.

Information on affordable dental insurance, full coverage dental insurance and dental insurance plans

Dental Insurance plans are traditional Insurance with annual maximum benefits, deductibles, and coinsurance. The two most popular types of Dental Insurance are Indemnity and PPO. Below you will find an explanation of these two types of Dental Insurance and our recommended Dental Insurance Provider.

Dental Indemnity plan

A Dental Insurance Indemnity plan is commonly known as a fee for service or traditional plan. If you select a Dental Insurance Indemnity plan you have the freedom to visit any dentist. You do not need referrals or authorizations; however, some plans may require you to pre-certify for certain procedures. Most indemnity plans require you to pay a deductible. After you have paid your deductible, indemnity policies typically pay a percentage of “usual and customary” charges for covered services; often the insurance company pays 80% and you pay 20%. Most plans have an annual out of pocket maximum and once you’ve reached this they will pay 100% of all “usual and customary” charges for covered services.

Dental Insurance PPO

A Dental Insurance PPO (Preferred Provider Organization) provides dental care to its members through a network of dentists who offer discounted fees to its plan members. You can typically use dentists out of the PPO’s network, but you will only be reimbursed the discounted fee for the services rendered – you will need to pay any additional amount yourself.

Indemnity and managed care plans differ in their basic approach. Put broadly, the major differences concern choice of providers, out-of-pocket costs for covered services, and how bills are paid. Usually, indemnity plans offer more of a choice of doctors (including specialists), hospitals, and other health care providers than managed care plans.

Discount Dental Plans

Discount Dental Plans are great for saving money on Dental Care. Plans start at $79 per Year for an individual and $129 per Year for a family Dental Plan. Pre-existing conditions are welcome and their is no limit on benefits.Click Here for Discount Dental Care

Discount or Reduced fee Dental Plans are designed for individuals, couples, and families looking to save money when visiting the dentist. All general dentists participating in Discount Dental Plans have agreed to accept a lower fee than they would normally charge, as payment in full for each service performed.

Each Discount Dental Plan comes with a membership card and a complete list of all dental procedures covered and what the discounted price will be. Discount Dental Plans are also known as “referral plans” due to the fact they generate new patient referrals to dental offices.

Once enrolled in any Discount Dental Plan, you may visit a participating provider of that plan and receive Dental Treatments at a Discounted fee or rate. When visiting a general dentist, these discounted fees range from 20% to 60% lower than what a dentist normal charges.

You simply show your membership card when visiting any participating plan dentist to receive your dental services at discounted rates. Unlike insured dental benefits, there are no claim forms, pre-existing condition checks, paperwork, deductibles or Disputed Claim hassles.

Comparing Dental Insurance and Dental Plans

Below you will find a Side-by-Side Comparison Of Dental Plans and Dental Insurance. Discount Dental Plans are different from traditional Dental Insurance in several ways. First, Discount Dental Plans are easy to enroll in by removing the hassles and waiting periods associated with traditional Dental Insurance.

Also, unlike traditional Dental Insurance, discount plans do not deny coverage based on a patient’s pre-existing dental conditions. Another nice feature of Discount Dental Plans are no complicated claim forms required for usage. In addition, there are no insurance Deductibles or Disputes to worry about. Most importantly, there is no annual maximum benefit – you can use the plan as much and as often as needed.

Key DifferencesDental InsuranceDiscount Dental Plans
Who pays for servicesYou pay monthly premiums, deductible and co-pay/coinsurance (see below); the insurance company pays dentist directly for remainder of charges.You must pay the dentist directly at the time dental services are rendered. The Discount Program does not pay any money to the provider. You also pay a monthly membership fee to the discount program in exchange for discounted rates at participating dental providers.
Discounted Rates at Selected ProvidersPPO plans have pre-negotiated discounted rates with selected providers.

Indemnity plans allow you to see any dentist, and, as such, do not have discounted rates at selected providers.

Dental discount programs offer discounted rates at participating dental providers. These Discounts range from 30% to 60%

Note: Dental discount programs can be used in conjunction with Dental Insurance Indemnity plans.

DeductibleTypically has a deductible, i.e., insurance company may not start paying for services until your dental expenses reach a certain dollar amount.No deductible — discounts are available at first visit to dentist.
Co-Pay/CoinsuranceAfter deductible is met, you may need to pay a nominal amount (e.g., $10) per office visit or a percentage (e.g. 20%) of the cost of a larger procedure. Insurance company typically pays for remainder of charges.Not applicable to Dental Discount Programs. For a given service, participating dentists will charge you the contracted discounted rate that has been pre-negotiated with the discount program.
Waiting PeriodMany dental insurance plans require you to be a policyholder for 6 to 18 months before paying for major dental services.No waiting periods apply.
Annual Maximum BenefitMost dental insurance plans will only cover up to certain amount per member per year (e.g., $1,000). After that cap is reached, you are responsible for all dental expenses.Not applicable to Dental Discount Programs. You and your family members can use your discount program membership as often as you need.

Facts about dental insurance no waiting period

Dental insurance no waiting period: Teeth are an important feature that you must take care of if you want them to last. If you do not take care of your teeth, you will eventually lose them. Unfortunately, many people neglect their teeth because they believe that they cannot afford dental insurance. While some dental insurance plans can be very expensive, you can find dental insurance no waiting period at a very reasonable price. Dental insurance no waiting period is perfect for individuals who need insurance as soon as possible in order to deal with a dental emergency.

For example, say you broke a tooth but do not have dental insurance. If you were to try to pay for the procedure out of your own pocket, you could spend hundreds of dollars. This same procedure would cost you a fraction of that price if you were to have dental insurance. A great fact about dental insurance no waiting period is that you can get your insurance the exact same day that you pay for it. This means that you could chip your tooth, get an appointment, contact a company that provides dental insurance with no waiting plan, get insured, and have your tooth worked on all in the same day! The ability to get instant dental insurance that covers a wide range of procedures seems like it is too good to be true, but it is actually a very common way to go about things when it comes to dentistry.

While some procedures may not be included in your specific plan, most decent dental discount plans cover anything from quick cleanings to braces. If you are in need of cosmetic dentistry like getting a broken tooth fixed or having a crown installed, you will probably pay rates similar to what you would have to pay if you only needed to have a cavity filled in absence of insurance. When you look online for a provider, make sure to check out their rates and what type of services are included. With a good dental discount plan, dental insurance for individuals has never been more affordable. In many cases, a single person can choose from a wide range of dental plans from just $9 a month or higher.

A great way to see what kind of service your dental insurance no waiting period provides is to look at the customer feedback. One of the companies that has garnered a lot of positive comments is Delta Dental. They have earned a lot of good buzz not only for their insurance for individuals, but also for their dental insurance for seniors.  That being said, there are other great programs out there as well, so if that one does not seem like a good fit for you, there are others out there that probably will be.

Top Choice Dental Plans and Dental Insurance Provider Reviews

Dental Plans.com

As the largest and most experienced online provider of Dental Plans, Dental Plans.com enables you to choose from 210,000+ participating dentists in combined networks.
Dental Plans gives you the Freedom of Choice, featuring over 21 quality plans from established dental companies to select from. “Nationwide”.

The people behind DentalPlans.com have over 35 years of experience in the Dental Plan Industry. Customer service experts are well-trained to provide accurate and helpful information to Dental Plan Consumers.  To contact them, DentalPlans.com

Unwavering commitment to providing exceptional service and easy-to-use technology has made DentalPlans.com the leader in Discount Dental Plans and TDIG’s Top choice for Dental Plans.

If you are looking for a Dental Plan Provider that will give you the choices you and your family needs. They have the resources to provide reliability that is not easy to find today. We would like to recommend that you check out DentalPlans.com for yourself. We also hope you will be just as excited about DentalPlans.com as we are,  You would be hard pressed to go wrong.

DentalPlans.com ensures the security of your personal information by using the most up-to-date technologies available today.  The SSL (Secure Socket Layer) encryption technology used on this web site to protect your data is also used by Yahoo!, Ebay, and Amazon.com to secure their own systems.

By offering powerful and easy-to-use search tools online, DentalPlans.com empowers the consumer to make an educated and informed decision when evaluating their dental plan options.  Also, DentalPlans.com members receive their benefit package materials (such as membership cards and co-payment fee schedules) right online at their convenience.  Members can print their customize

  • Save up to 60% on all dental procedures
  • Choose from 210,000+ participating dentist in combined networks
  • Free Cleanings and Exams with select plans
  • No deductible or coinsurance
  • No annual maximums or minimums
  • From $79 a year for an individual
  • From $129 a year for your whole family
  • Specialties (including braces/orthodontics) 20-25% off
  • Fast Online Registration

Go to DentalPlans.com

eHealthInsurance.com

eHealthInsurance.com has now established over 140 Carrier Relationships, with over 4,000 health insurance plans, covering 99% of the U.S. Population, now representing over 95% of the US Market Share for online health insurance sales. eHealthInsurance.com is the leading source of health insurance for individuals & families both on and offline across the country!

eHealthInsurance.com is a nationally licensed insurance agency meeting the health care needs of individuals, families, and small businesses.

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