Cheap Dental Insurance Plans
FREE Cheap Dental Coverage Quotes - Cheap Dental Plans
fun88.com, cheap dental insurance plans come in many different flavors. Depending on what your budget is, and what your needs are, there are cheap dental plans to satisfy your requirements. Find your cheap dental coverage on the Internet, where you can easily compare plans and apply for coverage.
As the leading online destination to find the cheapest dental insurance, eHealthInsurance represents leading insurance providers. Visit eHealthInsurance to find a cheap dental plan that offers you the benefits you want at a price you can afford.
Cheap Dental Insurance Comparison
You can get a cheap dental insurance plan to cover most eventualities, but it pays to understand the differences between plans.
- Monthly cost - Cheap dental plans have monthly premiums that you have to pay in order to have coverage when you visit the dentist. Depending on how much coverage a plan provides, as well as your out-of-pocket costs when you visit the dentist, the premium can have a wide range.
- Out-of-Pocket expenses - The cheapest dental insurance will require you to satisfy an annual deductible and require you to pay a percentage of any service you receive from your dentist. Depending on the particular plan, the specifics will vary, so compare your options on eHealthInsurance's website.
- Dentist network - A cheap dental plan has a network of dentists which it has contracted with to provide service at a reduced rate. Make sure the dentist you want to go to is part of the network or you will end up without the coverage you thought you had. Most cheap dental insurance plans only provide coverage for dentists in their network.
- Waiting period - fun88.com, with cheap dental coverage, you generally have to wait a certain amount of time after starting the policy before you can get any major dental work done. Insurance companies do this to prevent you from getting coverage only when you need major work.
You may not want to just purchase the cheapest dental insurance available. Consider what benefits and costs are associated with the plan before you make a decision. This is where eHealthInsurance is a great help because of the ability to easily compare your options and help you decide on the best dental coverage.
Cheap Dental Plan Quotes
Through eHealthInsurance's free website, you can compare your cheap dental coverage options to find the plan that has what you are looking for. You can instantly get FREE, no-obligation quotes for coverage to make sure the plan fits your budget. fun88.com, quotes are the lowest available, as rates are regulated by your state. This means no matter where you purchase coverage from, the premium will be the same for a particular plan.
Visit eHealthInsurance to instantly get your FREE, no-obligation, cheap dental insurance plan quotes 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. | |