Compare Dental Insurance Plans
Cheap Dental Insurance Plans - Get FREE Quotes Today!
Whether you are looking for individual or family dental insurance plans, you need to pick the right coverage so that you are able to receive the dental care your teeth need. The Internet is the best place to compare dental insurance plans, and it is also where you can shop for coverage from the convenience of your computer.
fun88.com, is the leading online destination to find the best dental insurance plan as their website offers you the ability to quickly view available options from leading insurance carriers. Easily review cheap dental insurance plans, instantly get FREE, no-obligation quotes for coverage, and purchase coverage right from your computer.
Types of Dental Insurance Plans
In order to choose the correct coverage type, you need to be aware of the different kinds of dental insurance plans currently available:
- Preferred Provider Organization (PPO) - A PPO plan is one of the most common types of dental coverage currently used today. A PPO usually has an annual deductible and may require you to pay a certain percentage of the cost of major work you have done. While a PPO utilizes a network of dentists that agree to offer their services for a reduced amount, you may also seek care outside of this network. However, you may only be reimbursed the amount the PPO plan would pay a network dentist.
- Health Maintenance Organization (HMO) - While tending to have lower monthly premiums, HMO dental plans offer less flexibility than other plan types. An HMO requires you to see a dentist within a certain network and usually will not pay for any dental work you receive outside of this network of dentists.
- Indemnity Plans - The traditional type of dental coverage is the indemnity plan. This type of plan gives you a great deal of freedom in deciding which dentist to see, fun88.com, though you may be required to be pre-authorized for certain dental procedures. An indemnity plan pays a certain percentage of what is called the usual, customary and reasonable rate for covered work and usually has an annual deductible associated with it.
In order to figure out which kind of plan is right, you need to compare dental insurance plans via the Internet. fun88.com, is the only online location you need to visit to completely understand which is the best dental insurance plan for you in order to get the coverage you are seeking.
Compare Dental Insurance Plan Quotes
The quotes you receive through eHealthInsurance's website represent the lowest premiums available for a particular plan. The Department of Insurance in your state approves insurance premium rates, so no matter where you purchase coverage from, you will be paying the same monthly premium for a particular plan. There is no reason to not use eHealthInsurance's free website to compare dental insurance plans to find the right coverage for you or your family.
Instantly receive FREE, no-obligation dental quotes from eHealthInsurance today!
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. | |