Cost of Dental Insurance Plans

Cost of Dental Insurance Plans

Let’s face it.  Dental care is expensive and treatments costs are only going to go up in the future.  By searching and finding some great affordable dental plans and insurance policies you can save yourself a lot of money and a lot of headaches at the same time.  Always review the company you are interested in and read the reviews others have left.  It’s always better to know someone else’s horror story to help save you from going through the same thing.   Listed below are some of the top dental insurance plans and companies and a brief summary about them.  Click any of the links below to read more about them and write or read a review.

First, here are some questions you should ask about each dental plan you look at:

  1. How much money will this dental plan cost you every month?
  2. Ask about the deductible.  How high is it, and what will be paid for once it is met?
  3. Can you choose your own dentist or do you have to choose from their network?
  4. Exactly what procedures are covered?
  5. Do you want cosmetic dentistry covered as well as preventative care?

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 coverage. The second option involves joining a plan where as a member of the group you receive discounted services from participating providers.

How much does good dental insurance cost?

Finding a good dental insurance plan can be tough, almost as hard as finding a good dentist. This is especially true if you’re not sure you have enough money to get a plan that’s right for you. Most people forgo buying a dental insurance plan in order to pay for their medical insurance or medical bills. However, dental insurance can be a very valuable tool, especially if your teeth are prone to cavities or other dental problems. If you’re one of the many people who aren’t sure exactly where to start when it comes to buying cheap dental insurance, here are a few tips for you! There are a few major differences from plan to plan. These will help you decide which plan is right for you:

  • The overall cost. Each plan will require you to pay different out-of-pocket costs for different procedures as well as different annual payments. Just because a plan is expensive doesn’t mean you’ll get the coverage you want. On the other hand, just because a plan is cheap doesn’t mean you’ll get terrible coverage. Look at the specifics of each plan to make sure you’re getting exactly what you want.
  • Your choice of dentists. Not all dentists are covered by the same insurance providers. You might want to give a few of your local dentists a call to see what insurance plans they recognize.
  • How you’ll pay. Each plan not only covers different procedures, but they require different payment methods as well. You might find that you pay very little for your procedures but have high annual costs, or the other way around. You can choose which way is preferable for you.

Look up Dental Insurance Quotes

Before you go about buying your dental insurance plan, make sure you do your research. Don’t just settle for the first plan you see because you aren’t sure what else is out there. A good starting point is asking your friends and family what kind of insurance they use. You can also ask about good dentists in your area and see what kind of insurance they accept.

You can also try doing a quick internet search. This can be a very efficient way to find quotes and recommendations since you’ll have a lot of information right at your fingertips. However you choose to do it, make sure that you understand how much you’ll be paying and what kind of coverage you’ll be getting with your dental insurance plan. Some companies require different types of commitments and payment plans, so you’ll want to make sure you do your homework. The more you know about the plan you’re buying, the less likely you are to get taken to the bank.

Individual Dental Insurance

If you’re not planning on having a family anytime soon, then individual dental insurance might be the right coverage plan for you. Most plans provide fairly basic coverage at great prices. Some plans, depending on your individual needs, provide discounts on individual services such as fillings and root canals. Make sure, though, while you’re buying your plan, that your dentist is covered under it.

Discount Dental Insurance Plans

Discounted dental insurance plans really aren’t insurance plans at all. Some insurance companies offer them as a way to alleviate the cost of different dental procedures. Essentially, you won’t be covered, but you will receive a discount on any work you have done at a participating dentist’s office for a small monthly or annual fee. Discount plans usually only work with a certain network or dentists, so you’ll have to make sure that your dentist is covered. These types of plans typically don’t require any paperwork or contracts, but you will have to abide by all of your provider’s requirements.

Full Coverage Dental Insurance Plans

If you’ve just had a child or plan on having children soon, then a full coverage dental insurance might be something you want to look into, especially since children require a large amount of dental work as they grow. Make sure that the plan you choose suits your needs. Plans that cover the most expensive procedures such as tooth extractions and root canals are preferable and will keep you from breaking the bank. Most plans have a maximum annual limit for how much they can cover, so you’ll want to be aware of that as well. The most important thing to keep in mind, though, is whether or not you’ll be able to afford it. Full coverage dental options can be a tad bit pricy, so check your budget before you purchase one to make sure that you’re getting your money’s worth.

Fee-For-Service Dental Insurance Plans

If your greatest concern is your choice of dentist, then you’ll probably want to look into a Fee-For-Service dental insurance plan. These are also called “traditional plans,” and usually allow the largest number of dentists under their coverage. This type of plan requires you to pay a certain percentage of whatever your dentist charges, then your plan will pay the rest. The amount you will pay varies from plan to plan, but you’ll usually end up paying around 20% of your dentistry needs. Cosmetic dentistry tends to cost a little bit more.

Private Dental Insurance

Private dental insurance can be a good option for those whose employers do not provide dental insurance. Private treatment options tend to cost more than general public options, but on the bright side you’ll get more attention from your insurance company, and you’ll most likely be able to see the dentist you want. If you’re willing to pay the extra fees for your dental coverage, you’ll most likely be most satisfied with a private dental insurance option.

Looking for an affordable dental insurance option doesn’t have to be a huge headache. Begin by asking your friends and family for recommendations. This can save you a lot of time and energy, and your friends will most likely be able to provide you with information on plans with a low cost. And be sure to get quotes and coverage information from whatever company you’re looking into. Make sure that your teeth are in the right hands.

Affordable Dental Plans and Insurance

Aetna Dental Insurance Plans Review

With millions of people already using Aetna dental plans it’s pretty safe to say that this is one of the better places to look for getting great dental care.   But besides offering dental insurance Aetna also offers what’s called a discount dental plan which acts kind of like a coupon every time you visit the dentist.  Many preventative treatments are free and you can receive discounts as much as 60% on other common treatments with Aetna Dental Access.  You can choose from over 80,000 dentists, so it should be easy to find one in your area.

Humana Dental Plans Review

Humana has made a name for itself in the dental insurance industry, and with over 130,000 dentists nationwide and really fast claims, they have a lot of satisfied customers.  They have four basic plans to choose from: Traditional, PPO, Preventive Plus, and DHMO.  All of these plans cover major work like crowns, bridges, and dentures except for the preventive plan which is a more economical choice as well.  You do not have to visit the dentists in their network, but you will be saving money if you do.

Cigna Dental Insurance Plans Review

Cigna offers a huge range of plans and you even have the options of switching back and forth between plans if your situation demands it.   Their DHMO plan is one of the most desireable as it has no deductible to meet, there is no co-pay, and each family member can choose their own dentist.  With the PPO plan you have to use the Cigna network of dentists but you get greater savings when you use the network than going outside of it.   And why not use an in-network dentist because then you don’t have to file a claim.

Blue Cross and Blue Shield Dental Plans Review

Blue Cross has one of the most well known names in the insurance industry, so what do they offer for dental care?   A program called Dental Blue can be a good option for individuals.   There is no waiting period for routine cleanings and preventative care, but there is a 6 month wait for some dental procedures.  In other words, you will just have to wait to receive compensation.   There is an annual limit of $1,000, so this plan is better for individuals who already take good care of their teeth.   Basic services include fillings, extractions, certain crowns and types of oral surgery.

Ameriplan Dental Plans Review

Ameriplan has some of the most competitive savings in the industry and with a growing network of more than 30,000 dentists, it’s getting better all the time.  It should be noted this is a dental plan and not necessarily dental insurance.  In other words, you get discounts on dental procedures instead of waiting for compensation.  So the savings are upfront and you have no waiting period, no age limit, no yearly limit on services,  and no paper work to fill out.  So, I guess less is more after all.

Guardian Dental Insurance Plans Review

Guardian is offered mainly through employers and has some great benefits.   According to the company the average savings with their dental insurance is about 30% below what the dentist office will charge you.  Claims are usually processed in 3 days or less and there are over 80,000 providers within their network.  There is also a vision plan that can be added to the Guardian plan.

Dental Insurance Plan Reviews