Individual Dental Insurance Plans
Individual Dental Insurance Plans - FREE Dental Plan Quotes
Figuring out which of the individual dental insurance plans offers the coverage you need can be difficult and confusing. When it comes to finding the best dental insurance for individuals, you really need to do some poking around online to discover which of the individual dental plans is right for you.
fun88.com, is the best place online to find an individual dental insurance plan. Their fee-free website gives you access to top individual dental plan providers, giving you the ability to compare plans, instantly get FREE, no-obligation quotes and apply for coverage online. Visit eHealthInsurance today to find the individual dental coverage you are looking for!
Dental Insurance for Individuals
Individual dental insurance plans are very similar to medical insurance plans. Both require you to pay a set amount each month in exchange for certain benefits. Individual dental plans cover services such as x-rays, routine cleanings, oral surgery, and orthodontics, though the exact benefit set will vary from plan to plan.
The two types of individual dental coverage plans available today are indemnity and managed care plans. As a more traditional offering, indemnity plans let you see just about any dentist you want, but you most likely have to pay for services up front and then get reimbursed from your insurance provider.
A newer dental insurance individual plan option is managed care, which has a network of dentists that agree to offer services at a reduced rate. fun88.com, because you can only see this specific set of dentists, a managed care plan is generally more affordable than an indemnity plan.
Comparing dental insurance for individuals is not that difficult when you consider an indemnity plan offers you great flexibility in choosing your dentist, where a managed care plan is more affordable, but more restrictive in choosing your dentist. Use eHealthInsurance's free website to quickly compare available individual dental plans to locate the type that is best for your situation.
Individual Dental Insurance Plan Quotes
The best individual dental insurance plan quotes you get from eHealthInsurance's website are the lowest available for a particular plan. The premiums for individual dental insurance plans are approved by each state's Department of Insurance, so no matter where you purchase coverage from, you will be paying the exact same rate for a certain plan.
fun88.com, take advantage of eHealthInsurance's free to use website to compare dental insurance for individuals. Get your instant, FREE, no-obligation individual dental coverage 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. | |