Affordable Dental Insurance Plans
FREE Affordable Dental Plan Quotes - Affordable Dental Coverage
When it comes to affordable dental insurance plans, there is no one-size fits all solution. Affordable dental plans come in different shapes and sizes, so you can find one that fits your needs. You can choose affordable health dental insurance based on your monthly costs as well as what you have to pay when visiting the dentist.
fun88.com, go online to find an affordable dental plan. The leading online destination for affordable dental coverage is eHealthInsurance. Representing leading insurance providers, eHealthInsurance lets you quickly compare your options, instantly get FREE, no-obligation quotes for affordable health dental insurance, and apply for coverage online.
Comparing Affordable Dental Insurance Plans
When searching for affordable dental insurance plans, you need to consider the following things:
- What is the monthly premium? The right plan has to offer you the benefits you need at a price that is affordable. The monthly premium is a fixed cost that you will pay whether or not you visit the dentist.
- What are the other costs? Certain affordable dental plans have an annual deductible you need to meet before they start paying for coverage. You also need to be aware of what percentage of the total costs your dental insurance will cover.
- fun88.com,dentists can I see? Dental coverage plans generally have a network of dentists they have contracted with. Make sure your current dentist is part of that network so that your visits will be covered. If you visit a dentist outside of your network, either the plan will not provide coverage, or will do so at a reduced rate.
- Are there any waiting periods? Many affordable dental coverage plans don't allow you to immediately use the coverage for major dental work, but rather it makes you wait a set amount of time. This prevents you from getting coverage only when you need something major done.
When it comes time to find affordable coverage, there are certain things to consider in order to find the best plan for your situation. Use eHealthInsurance's website to easily compare your options to find the right dental coverage.
Affordable Dental Plan Quotes
When you visit eHealthInsurance, you can quickly sort through the affordable dental coverage options to find the best plan to meet your needs. You can instantly get free quotes for coverage and compare plans from leading insurance carriers to help you decide who offers the right policy for you.
Use eHealthInsurance's free service to get the lowest dental insurance quotes. Since insurance premiums are regulated by each state, no matter where you purchase coverage from you will be paying the exact same amount for the same plan.
Visit, fun88.com, today to instantly get FREE, no-obligation quotes for affordable dental plans.
Dental Insurance Explained
Below is a video from eHealthInsurance discussing dental coverage.
Dental Insurance Key Points
| Benefits - The purpose of dental insurance is to provide affordable access to dental care. A typical policy will provide for both preventative care and major dental procedures, while some plans offer orthodontics coverage as well. |  |
| Cleanings - Typically an insured can have their teeth cleaned semi-annually at no additional charge (no co-pay, co-insurance, or deductible apply on most plans). | |
| Filings, Crowns, and Root Canals - Major dental procedures are generally covered, though a deductible, co-pay and/or co-insurance may apply. | |
| Teeth Whitening - Elective procedures, including teeth whitening, are typically not covered. |  |
| Dental Implants - Elective procedures, including dental implants, are typically not covered. | |
| Cosmetic Dentistry - Elective procedures, including cosmetic dentistry, are typically not covered. | |
| Annual Maximum Benefits - Most dental insurance plans have a maximum benefit amount they will pay for each covered individual for each contract period (typically one year). This amount usually ranges from $500 per person to $2000 per person. | |
| Deductible - Many PPO and indemnity type dental plans require the insured to pay an annual deductible before the plan starts to cover claims. This amount can be per person, per family, or per plan, and typically ranges from $50 to $150. | |
| Co-Pay - The amount that the insured is responsible to pay for a dental procedure (x-ray, exam, cleaning, filling, crown, etc.) and is expressed as a dollar amount. Co-pays range from none ($0) to hundreds of dollars, depending on the procedure, although preventative care items usually have a low co-pay. Typically, an HMO dental plan will have co-pays and will not have a deductible or co-insurance. | |
| Co-Insurance - The amount that the insured is responsible for after any deductible and/or co-pay has been satisfied and is typically expressed as a percentage. For example, with a 20% co-insurance, the insured would be responsible for $20 of a $100 procedure, with the insurance provider covering the remaining 80%. Typically, an indemnity or PPO dental plan will have co-insurance. | |
| Provider Network - Most dental plan types have a preferred provider network of dental professionals, from which you receive dental care. HMO dental plans require you to see a dentist within the plan's network, and will not pay for care done by an out-of-network provider. PPO dental plans use a network of dentists, but also allow you to seek dental care from outside of the network. However, when using an out-of-network dental provider, the insured may be responsible for the amount above what the insurance company would reimburse an in-network provider (which is usually a contractually negotiated reduced rate). If you currently have a dentist, choose a plan that they accept so that you can take full advantage of your coverage. | |
| Waiting Periods - Most dental plans have a waiting period (6 to 12 months) for major procedures, such as crowns, root canals, and, sometimes fillings. There is typically no waiting period for preventative care, such as cleanings. If you suddenly find that you need a crown, and do not have a dental plan, you will not be able to buy coverage today and have the plan pay for the procedure, due to the waiting period. | |
| Eligibility - It is fairly easy to qualify for dental coverage. Most individuals, and their eligible dependents, will qualify for coverage. | |
| Affordability - In most states, dental coverage is relatively inexpensive, with plans starting under $20 a month in many locations. Get a free, no-obligation quote today by visiting eHealthInsurance's website. | |
| Coverage Through Health Plan - Most major medical plans do not offer dental coverage - you will need to purchase a separate dental plan. | |
