Discount Dental Plans Online
FREE Discount Dental Insurance Plan Quotes Online
Get FREE Discount Dental Plan Quotes From eHealthInsurance
fun88.com, as you are shopping for discount dental plans, you will see that there are many options to choose from. There is no one dental discount plan that will satisfy every need, so choose wisely and pick one that is suited to your needs. You can quickly go online to compare discount dental insurance plan options and decide which provider has a plan that's right for you.
eHealthInsurance is the leading online destination to find discounted dental plans from leading insurance providers. By visiting eHealthInsurance's website, fun88.com, can easily compare discount dental insurance plans, get FREE, no-obligation quotes instantly, and apply for coverage without getting up from your computer.
Comparing Discount Dental Plans
Discount dental plans come in many varieties, so you need to understand what you are getting before deciding on a plan.
- How much does it cost each month? Depending on what benefits you need, and how much out of pocket you are willing to spend, the monthly premium will vary. Just remember, this is a fixed monthly cost and there most likely will be other costs when you visit the dentist.
- Are there other costs when using the service? Typical dental discount plans require you to pay a portion of your total bill and may have an annual deductible you need to meet before the plan starts helping with costs.
- Is your dentist in the plan network? Discount dental insurance plans work with a specific network of doctors that have agreed to offer services at a contracted rate. In order to fully benefit from your coverage, make sure the dentist you intend on seeing is part of the network.
- Do you have to wait before receiving coverage? Discounted dental plans typically require you to wait a specific period of time before being able to have any major dental work covered by the insurance.
fun88.com, finding the right discount dental insurance plan can take some work, which is why you need to make things easy on yourself and visit eHealthInsurance. Here, you will be able to quickly compare discount dental plans and choose the best coverage for your situation.
Dental Discount Plan Quotes
The dental discount plan quotes you get through eHealthInsurance's free service are the lowest around. Insurance premiums are set by the Department of Insurance of each state which means no matter where you get quotes from, they will be identical for a particular plan. This lets you use eHealthInsurance's great comparison tools and know you will not find cheaper dental discount plans anywhere.
Get your FREE, no-obligation discount dental plan quotes today from eHealthInsurance!
Get FREE Discount Dental Plan Quotes From eHealthInsurance
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. | |
