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Finding the right value in individual dental insurance and family dental
insurance is an important step in purchasing affordable dental insurance
health care coverage. Both types of dental plans (dental insurance and
discount dental plans) have advantages and disadvantages and one size does
not fit everyone. We sell both individual and family dental insurance
and dental discount plans throughout all 50 states. |
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Dental Insurance The dental insurance programs listed are
based upon the zip code you enter and their availability. If we are
unable to offer a dental insurance plan, we will provide a alternative dental plan, if available, and clearly state it. Please be sure to
contact the plan dental office to confirm they are accepting new
patients and they are accepting the dental plan you have selected.
If
you have any dental insurance plan questions please feel free to
contact our office during
regular business hours. You will find our licensed insurance agents ready to
assist you.
Our dental web site is very clear if you are
selecting a dental insurance plan or a dental discount plan. We
understand that there are many dental plan web sites popping-up all
over the internet, claiming to offer "dental insurance" when in fact
they do not and are not licensed to offer a dental insurance plan.
If you find a site that says they offer
dental insurance, they are "required" to show their insurance license
information on the web site, as noted at the bottom of this page. If
they don't, then report them to your local state department of
insurance. If you find a dental web site stating they offer "dental
insurance" and in fact they don't, then take the opportunity to report
that site to the search engine you found them on.
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Dental
Insurance Indemnity Plans
This type of
dental plan pays the dental office (dentist) on a traditional
fee-for-service basis. A monthly premium is paid by the client
and/or the employer to an insurance company, which then reimburses
the dental office (dentist) for the services rendered. An
insurance company usually pays between 50% - 80% of the dental
office (dentist) fees for a covered procedures; the remaining
20% - 50% is paid by the client. These plans often have a
pre-determined or set deductible amount which varies from plan to
plan. Indemnity plans also can limit the amount of services
covered within a given year and pay the dentist based on a variety
of fee schedules. Some typical features of these plans:
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High
deductibles before coverage begins (well-designed plans don't
apply the deductible to preventive services)
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Probationary
periods on certain procedures that last up to a year
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Annual dollar
limit on benefits
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Chose your own
dentist
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Your average
monthly cost: $15 to $25
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Companies
selling these plans are regulated by state insurance
departments.
Dental
Insurance HMOs
These insurance
plans, also known as "capitation plans," operate like their
medical HMO cousins. This type of dental plan provides a
comprehensive dental care to enrolled patients through designated
provider office (dentist). A Dental Health Maintenance
Organization (DHMO) is a common example of a capitation
plan. The dentist is paid on a per capita (per person) basis
rather than for actual treatment provided. Participating dentists
receive a fixes monthly fee based on the number of patients
assigned to the office. In addition to premiums, client
co-payments may be required for each visit. Some typical features
of these plans:
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Monthly
premiums (some require you to prepay a year's worth)
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Co-payments for
office visits
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Free preventive
or routine care
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You must select
from an approved network of dentists
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May have an
initial enrollment fee
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Annual dollar
cap
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Your average
monthly cost: $5 to $15
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Companies
selling these plans are regulated by state insurance
departments.
Dental Preferred Provider Organizations
Another true
insurance plan, a Preferred provider organizations ( PPO) falls
somewhere between an indemnity plan and a dental HMO. This plan
allows a particular group of patients to receive dental care from
a defined panel of dentists. The participating dentist agrees to
charge less than usual fees to this specific patient base,
providing savings for the plan purchaser. If the patient chooses
to see a dentist who is not designated as a "preferred provider,"
that patient may be required to pay a greater share of the
fee-for-service. A group of dentists agrees to provide services
at a deeply discounted rate, giving you substantial savings — as
long as you stay in their network. Unlike the more restrictive
DHMO, though, you can go out of network and still receive some
benefits. Some typical features of these plans:
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Monthly
premiums
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Annual dollar
cap
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You must stay
within the approved network of dentists or pay higher
deductibles and co-payments
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Your average
monthly cost: $20-25
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Companies
selling these plans are regulated by state insurance
departments.
Find a dentist at InsuranceCompany.com -
Click Here! |
| American
dental insurance plan quotes are available on a state by state basis in
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut,
Delaware, Dist of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois,
Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland,
Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana,
Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North
Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode
Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont,
Virginia, Washington, West Virginia, Wisconsin, Wyoming. Find the best
personal dental of America insurance quotes from some of the finest and
solid insurance companies who compare the
lowest monthly premiums with
immediate coverage and choices. |