Are You Looking For Quality & Affordable Dental Insurance?
Here Is Everything You Need To Know Before Purchasing Dental Coverage
How Does Dental Insurance Work?
Preventive
For preventive dental care, your insurance plan will typically cover 100% of the costs, which includes routine cleanings, annual checkups, and bitewing x-rays.
Basic
Most dental insurance plans cover up to 80% of the cost of basic/uncomplicated dental procedures such as simple extractions, fillings, and some types of deep cleanings.
Major
Dental insurance plans usually cover up to 50% of major dental procedures such as crowns, root canals, dentures, and bridges.
Understanding Dental Insurance Terminology
- Annual maximum: Also referred to as the annual plan maximum, this is the maximum amount of money your plan will pay per year for your dental care. It is usually divided into cost per individual or cost per family.
- Coinsurance: This refers to the percentage of the cost of dental care that you are expected to pay out of your pocket.
- In-network: A selected group of experienced dentists who have a contract with your dental insurance company. Your provider will cover a larger portion of your dental care cost if you use an in-network dentist.
- Premium: The amount of money you are expected to pay every month to keep your dental insurance policy active.
- Copay: A predetermined flat fee you are expected to pay for a dental service covered by your insurance policy.
- Deductible: The amount of money you must pay out of pocket each year before your dental insurance coverage begins. It works just like your auto insurance deductible.
- Pre-existing conditions: This term is used to refer to any dental problems that you had before getting your insurance policy.
- Waiting period: The specific length of time- usually between six months to one year- that must pass before your plan starts to cover basic and major dental procedures.
How Much Does Dental Insurance Cost
Physicians Mutual Individual Dental Insurance
Physicians Mutual Individual Basic Plan Plan Covers Preventive & Restorative Care for Individuals
Costs Start At $17.95/month
Physicians Mutual Family Dental Insurance
Physicians Mutual Family Basic Plan Plan Covers Preventive & Restorative Care for the whole family
Costs Start At $59.30/month
Humana Dental Insurance
Humana Complete Plan Covers Preventive And restorative Care
Costs Start At $37.99/month
Renaissance Dental Insurance
Renaissance Dental Insurance Policy Covers Preventive and restorative Care
Costs Start At $35.60/month
Other Things to Consider When Looking For Dental Insurance
Physicians Mutual Individual Dental Insurance Plan
Physicians Mutual Family Dental Insurance Plan
Humana Dental Insurance Plan
Renaissance Dental Insurance Plan
Preventive Care
Covered 100%
Covered 100%
Covered 100%
Covered 100%
Basic Dental Procedures
Covered up to 80% for in-network dentists
Covered up to 80% for in-network dentists
Covered up to 50% for in-network dentists
Covered up to 80% for in-network dentists
Cosmetic Services
No
No
No
No
Orthodontic (Braces)
Yes, up to 50% for in-network dentists
No
No
No
Dental Implants
Yes (up to 50%)
Yes (up to 50%)
No
Yes (up to 50%)
Waiting Period
6 months
6-12 months
6-12 months
6-12 months
Physicians Mutual
Physicians Mutual
Humana Complete
Renaissance
Does Dental Insurance Cover…?
Missing Tooth Replacement?
In most cases, dental insurance plans do not cover the cost of some dental treatments, such as replacing a missing tooth that you lost before purchasing your policy. Make sure you lookout for the "missing tooth" clause when reviewing different plans.
Cosmetic Treatments?
Most dental insurance plans do not cover cosmetic dental procedures such as porcelain overlays and teeth whitening.
Dental Implants?
No. Dental insurance policies do not cover dental implants since there are other affordable ways of restoring missing teeth. However, a few plans out there may cover dental implants.
Braces?
Some dental insurance policies do cover braces. But, make sure you check the annual policy limit for such procedures and ask your dentist for a cost estimate. This way, you will know if you can save money on braces with a dental savings plan.
Is Dental Insurance Worth It?
- If your current employer provides dental insurance cover for free, the better.
- If you need to purchase your own dental insurance, and your oral health is excellent, then go for it since it will help cover the cost of your preventive care. Keep in mind that regular preventive care is the most effective way to maintain good oral health.
- If you already have dental issues that require immediate treatment, you may want to consider a dental savings plan instead of an insurance policy. A dental savings plan is an excellent alternative to an insurance policy since there are no waiting periods and no annual maximum spending limit.
Affordable Dental Insurance Alternatives
Dental savings plans have always been a great alternative to traditional dental insurance. Members of such plans usually enjoy between 10% and 60% discount on dental procedures whenever they seek services from participating dentists. Furthermore, members of dental savings plans do not have to worry about waiting times and annual spending limits. This is a great choice for individuals who have existing oral conditions whose dental care costs may exceed $1000 annually.
Dental Emergencies
You simply cannot afford to delay a dental issue that requires urgent care, but where do you get the funds needed to pay for the service? With a conventional dental savings plan that becomes active within one day, you can afford to take care of your dental emergency, fast!
Enjoy Huge Dental Discounts without Waiting for a Longer Period
Does the thought of waiting for between 6-12 months before your coverage activates for that crown, bridge, or root canal make you sick? With a dental savings plan, you don’t have to wait for too long. Typically, your plan will be active within 24 hours, and you can access such services within 72 hours.
A Wide Network of Experienced and Caring Dentists
So, why do dentists offer discounts on dental savings plans? Because it is good for their business and the communities they serve. Members of dental savings plans have access to a nationwide network of highly experienced dentists ready to serve them.
Affordable & High-quality Dental Care
Dental discounts offered don’t mean that the quality of services delivered is compromised. In fact, a significant number of dental savings plans pre-screen dentists before accepting them into the plan’s network.
Contact Us Today To Find a Suitable Plan for Your Dental Needs
Are you looking for an individual or family dental plan that will suit your unique needs? We are here to help you make an informed decision. Please fill this form to get in touch with us, and one of our dental insurance experts will gladly help you find an affordable plan.
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