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Individual / Family Dental Plans
One type of plan
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Group Dental Plans for
Businesses
Five types of plans |
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| "Copay",
"Discount Dental", "Prepaid", or "Dental HMO" also
called a "Capitation" plan.
Click here for a large variety
of "Discount" Dental Plans for Individuals &
Families. You may:
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View many
discount dental plans |
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Search for
plans with your Dentist in their network |
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Search for
plans with low copays for the types of dental services
that you need |
Features of the
"Discount Plans" (also known as Copay
"Prepaid" or "Dental HMO" plans) are as
follows:
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Must use their Dentists |
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Low
cost to join the plan |
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Uses a schedule of copays
(specified dollar amounts YOU pay for every covered Dental
procedure) - a savings of 10% to 60% on most dental
procedures. |
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For Capitation Prepaid
plans - the Dentist receives payment every month,
whether or not he/she has performed dental services for you |
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Usually no waiting periods
before services are covered |
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Often
the benefits are unlimited |
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May have Orthodontic Discount
programs |
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May
have Discount programs for Vision, Chiropractic and
Prescriptions |
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May
have Discount programs for other Medical services. |
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You
may choose from more than 30 discount dental plans, with a
combined network of 100,000+ Dentists |
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Get a Discount Dental
quote
for Individuals & Families
by clicking the button below
You can also see if your
Dentist
is In-Network.
Just click the button above,
enter your zip code,
then click on "Find My Dentist".
There are more than 100,000 Dentists
nationwide in the combined networks
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| Traditional
or PPO Dental Insurance for Individuals & Families
There are only a few Traditional or
PPO Dental Insurance plans on the market for Individuals &
Families.
However, we find that these plans don't last. They are also
expensive, and have long waiting periods. If you want
Traditional Dental Insurance, we suggest that you consider a
Group plan.
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Traditional,
Indemnity Dental plan
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The highest quality plan, with
access to providers of your choice |
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Choose
any Dentist |
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Highest premium |
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Common plans have benefits of:
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100% coverage for
Preventive* |
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80% coverage for Basic* |
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50% coverage for
Major * |
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$1,000 to
$2,500 annual
maximum benefit per person |
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Waiting periods before Major
Services can be covered (can be waived if you have 10 or
more covered employees, or if you are transferring from a
prior group dental insurance plan) |
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Can add Orthodontic coverage |
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Some plans have Vision
Discount plans included |
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PPO
Traditional Dental plan
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A popular choice for good
access to providers and for excellent benefits |
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Better benefits if you use
Dentists in the Network than if you use Out-of-Network
Dentists |
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Moderate
premium |
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Common plans have benefits of:
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$50 Deductibles |
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100% coverage for
Preventive* |
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80%,
90% or 100% coverage for Basic* |
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50%
or 60% coverage for
Major * |
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Up
to
$2,500 annual
maximum benefit per person |
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Waiting periods before Major
Services can be covered (can be waived if you have 10 or
more covered employees, or if you are transferring from a
prior group dental insurance plan) |
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Can add Orthodontic coverage |
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Some plans have Vision
Discount plans included |
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Copay
"Fee for
Service" plan
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A low premium option, but
good reimbursement on a "Fee for Service" basis |
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Must use their Dentists |
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Low premium |
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Uses a schedule of copays
(specified dollar amounts YOU pay for every covered Dental
procedure). |
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Fee for Service - the Dentist
only receives payment after he/she has performed Dental
Services for you. |
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Some plans have waiting
periods before Major Services are covered (can be waived if
you are transferring from a prior dental plan) |
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Can have Orthodontic Discount
programs |
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Copay
"Prepaid" Plan,
or "Dental HMO" (sometimes called a "Capitation"
plan or "Discount plan")
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A low cost option, however
with an unattractive "Capitation" payment to
providers. |
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Must use their Dentists |
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Low premium |
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Uses a schedule of copays
(specified dollar amounts YOU pay for every covered Dental
procedure). |
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Capitation Prepaid - the Dentist receives payment every month,
whether or not he/she has performed dental services for
you. |
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No waiting periods before
services are covered |
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Can have Orthodontic Discount
programs |
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Scheduled Benefit
Plan
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The lowest benefit option |
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Should use their Dentists
(some plans allow you to use any Dentist, but the benefit
remains the same) |
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Low premium |
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Uses a
schedule of Benefits (specified dollar amounts THE
DENTAL PLAN pays for every covered Dental
procedure). You pay the balance of the charge. |
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Usually no waiting period
before services are covered |
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Can have Orthodontic Discount
programs |
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Get a quote for Dental
Insurance
for your Business by clicking the button below
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*
Preventive services usually includes your dental exam, cleanings,
and x-rays.
* Basic services usually
includes fillings and simple Oral Surgery. On many top plans, Oral
Surgery, Root Canals (Endodontics) and Gum Disease (Periodontics) are
paid at the "Basic" level, rather than at the lower
"Major" services level.
* Major services usually
includes Crowns, Bridges, Dentures, Onlays, Inlays, etc.
For a complete list of covered
services, and their classification, refer to the plan's policy or
certificates. |
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