 Don't make yourself crazy looking for dental insurance. We have PPO, DHMO, Indemnity and Discount Dental Plans and Dental Insurance in all 50 states. One-stop dental plan shopping where you can compare and purchase plans directly online.
Short Attention Span? - Click Here For the 5 Minute Guide to Dental Plan Selection
Use this web site to get quotes, find providers and learn about the different types of plans available in your area. We will help you find the best plan for the lowest cost.
You can learn a lot about choosing a dental plan by reading this web site. But, if you are in a hurry, just click on the big red box above to get quotes now. Otherwise, there are a few things you need to understand before you can be an intelligent consumer.
The first thing we need to make clear is the difference between Dental Plans and Dental Insurance.
 Dental Plans
versus Dental Insurance
Dental plans and dental insurance are not the same thing. Let me briefly explain the differences before you go any further.
Dental Insurance
Dental insurance is, for a lack of a better expression, "real insurance".
The agent who sells it must be licensed and there is an insurance carrier behind the plan, paying the claims.
With dental insurance, you will either pay a percentage of the covered costs, receive reimbursement for part of the covered costs or have a co-pay for most procedures. It all depends on which type of dental insurance plan you purchase.
Depending where you live, we offer three different types of dental insurance; PPO, DHMO and Indemnity. You can read about the different types of plans by clicking one of the following links:
Dental Plans
Dental plans are membership-based
programs where a consumer pays a membership fee in exchange for secured
discounts on most dental services, such as dental exams, routine cleanings,
fillings, extractions, root canals, dentures, crowns, and braces.
These
plans typically save the consumer ten to sixty percent off standard out-of-pocket
fees when visiting a participating network provider. There are no preexisting
condition limitations, maximum limits or deductibles to pay. Some of these
plans offer free preventive services such as cleanings and exams. Depending
upon which plan you choose, an entire family can be covered for less than
$15 a month. If you find a provider in your area, these plans can save
many times their cost in reduced fees.
Keep in mind that you are responsible for paying the dentist directly at the time of service when using a dental plan. But, do not dismiss these plans too quickly, they can save you a lot of money.
Learn more about these low-cost plans and get an instant online quote - Discount Dental Plans |
 Dental Plans
& Dental Insurance Frequently Asked Questions (FAQ)
The purpose of this site is to help you find the ideal dental plan for yourself, your family or your business. Here are some of the more common questions we have received regarding dental insurance and dental plans.
My dentist told me to find a PPO dental plan. So far, I have had no luck. Do you have PPO's?
The short answer is yes we do. But, I would advise you to take two minutes and read what we have to say about PPO dental plans. You want to be sure that your dentist is in the network and the cost of the coverage will make sense for you as opposed to a different type of plan. You really need to do the math with these types of plans. Click here for our PPO Dental Insurance Fact Sheet.
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Can I get a plan just for my children?
Unfortunately, all of our plans require at least one adult to be on the plan.
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Do any of your plans cover orthodontia?
The discount plans will provide a discount for orthodontia. The PPO and the indemnity plans do not. If you are in certain states, some of our DHMO plans also cover orthodontia. But, typically, you will see a 25% discount for this service.
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When you say 'discount plan", exactly what is the discount?
Discount plans use an extensive schedule of benefits that show numerous dental procedures and then an amount that you will pay for that procedure. It is not a flat discount like 50%. Some procedures are more heavily discounted than others. The discounts vary from plan to plan. You need to know how to purchase the best plan in your area for your needs. Please click here for a short article on How to Select a Discount Dental Plan. These plans offer a lot of value for very low cost.
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What is an indemnity plan? I find this type of plan very confusing. Is it also a PPO plan?
Indemnity dental plans can be very confusing. Let me give you the short answer to the question and then refer you to a brief article we have written that will give you a few illustrations.
An indemnity plan pays you or your dentist a fixed amount for each dental procedure, up to a maximum amount per year. Some of these plan also have networks. If your dentist is in the network, you are entitled to the discounted, network rate for services. Regardless, the scheduled amount will be paid. So, you can go to essentially any dentist you want.
For a short, clear example of an indemnity dental insurance plan, click here now
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Are all of your plans available in all states?
We have certain plans that are available in all 50 states and others that are state specific. When you go to our quoting page, you will see a list of state specific plans.
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Are there waiting periods before the plan benefits kick in?
Discount plans have no waiting period at all. From the company's point of view, they are not physically paying claims, so they don't care.
On PPO and Indemnity plans, basic and preventative procedures are typically covered right away. But, major work (i.e., root canal) is usually covered only after a 6 to 12 month waiting period. We have some plans that will cover major work right away at a reduced benefit, and then increase the percentage they pay in years 2 and 3.
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I have a business. Do you have group dental plans?
We have traditional group dental plans in certain states (depending on what your group size is). But, any of our dental plans can be used as a voluntary group plan. They are often less expensive than traditional group dental. Take a look at our Group Dental Insurance page for more information.
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What happens if I cannot find my dentist in your network?
There are a lot of dentists who either take only a few large PPO plans or take no insurance at all. We have plans were you can go to any dentist you want. Also, read our article entitled "What to Do When Your Dentist Will Not Accept Your Insurance".
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Can we just call you and have you figure this all out?
I prefer you wait until you read the web site.
If you call before reading through the site, I will have to spend an hour on the phone reading it to you. My days of reading stories are over (until I have a grandchild).
If you spend 10 minutes to read the information on the web site and then you have questions, by all means give us a call. That way, we can intelligently discuss the options and I can help you find the answers you are looking for. Believe me, this is not rocket science. The benefits and costs for each plan are on this web site.
But, if you want our opinion on which plan is best, then read our "almost" Pulitzer Prize winning article "". It is short, to the point and great for someone with a short attention span.
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Which dental plan do you personally have?
Our family has a discount dental plan and is very happy with it. Its is inexpensive, I found a great dentist in my area who takes it and the discounted rates save me a bundle. |
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