DENTAL INSURANCE - INDIVIDUAL AND FAMILY

 
Dental Insurance - Individual and Family Dental Services

Dental Insurance Plans and Programs Dental health is extremely important for individuals and families and it’s financially helpful to have some form of dental coverage to minimize the costs of dental care.  Dental insurance plans are also becoming increasingly unpopular with dental practices for a variety of reasons.  Dental insurance plans differ in the level of reimbursement offered for certain procedures and in annual dental spending caps. 

Dental insurance plans play a big role in helping people cope with dental health care without the exceedingly high costs.  With dental insurance plans for you and your family, we can help make it easier to keep your smile healthy.  Our individual dental insurance plans provide you with the coverage you need to promote good dental health. 

If you are the policy holder of any dental insurance plans for individuals, you likely either have managed care dental insurance.  In PPO dental insurance plans, dentists who are part of a network agree to lower costs for patients covered by a certain insurance provider, in exchange for the referrals from the insurance company that bring them more business.  Compare dental insurance plans and decide which one is right for you and your family. 

Dental Insurance Coverage - Immediate Benefits For Your Family

Compare rates from our major insurance providers to find low cost medical plans on group or individual medical insurance.  The major differences concern out-of-pocket costs, choice of dental care providers, and how bills are paid.  However, if you have insurance and require veneers for restorative purposes, ask your dentist about the possibility of filing for reimbursement for a percentage of the costs Our individual dental insurance plans provide you with the coverage you need to promote good dental health.  Dental Insurance Plans and Programs Dental health is extremely important for individuals and families and it’s financially helpful to have some form of dental coverage to minimize the costs of dental care. 

There are some plans that may also provide coverage for dental implants, certain types of oral surgery, or orthodontia. Our dental insurance plans covers all your dental needs from checkups and cleanings to crowns, root canals and braces. Some plans offer immediate coverage including pre-existing conditions.

Dental Insurance - Reimbursement Options

Sometimes finding the plan with "the" low cost isn't the best solution, it's finding quality health insurance at a competitive price.  Costs of any kind of dental procedures is quite high, insurance would make it affordable to you.  Today's health insurance, including your dental plan, is designed to help you get the care you need at a reasonable cost.  Most individual dental insurance plans tend to emphasize preventive dental care, because it lowers costs in the long-run caused by poor dental hygiene and lack of regular check-ups and cleanings. 

In combination with information about different costs, benefits, discounts, choices and services to compare dental insurance plans around.  Make sure you have a plan to secure medical care and cover the associated costs.  With a dental insurance plan covering the costs of these visits, patients are more likely to stick with an effective preventative schedule. 

A visit to a dentist in America costs a lot even for regular check ups, cost of any dental procedures if required is much more.  Most of the procedures would cost you in excess of three hundred dollars and that’s the starting fee which increases according to the procedure involved. 

Preventive Dental Insurance Procedures - Cuts Dental Costs

After all, dental costs can seriously impact anyone's budget.  Most individual dental insurance plans tend to emphasize preventive dental care, because it lowers costs in the long-run caused by poor dental hygiene and lack of regular check-ups and cleanings. Many insurance companies will only reimburse composite filling costs at a rate equal to that of an amalgam filling. 

Additionally, our pages review some of the concerns and costs associated with wisdom teeth oral surgery and suggest some steps you might take during your postoperative recovery period so to minimize the potential for experiencing complications during the healing process. 

When you decide to go for a dental insurance, there are a lot of choices you will get, there are dental insurance plans which include individual plans, group insurance plans, supplemental insurance plans, full coverage plans and there are dental discount plans which is not exactly the an insurance but you save money on the dental costs as you get discounts on the services of the dentists. 

Dental Insurance - Customer Service Department

Our customer service department is ready to assist you with any questions you may have and help you purchase an employer, family or individual dental insurance plan today.  We provide access to many of the largest, most recognized individual dental insurance networks in the nation.

InsuranceCompany.com is a specialist in dental insurance, dental discount plans, vision and prescription coverage programs for individuals, families and groups. We have been serving the dental community since 1983, you will find our licensed dental insurance agents are well informed and ready to assist you. Compare dental insurance plans and decide which one is right for you and your family.

Many of our dental plans have next day benefits including vision and prescription. InsuranceCompany.com offers quotes for individual and family dental insurance plans including an option to compare dental national coverage plans. Remember, buying dental insurance does not have to be a painful process. We offer dental benefit coverage in all 50 states.

I hope this information on the dental insurance has helped you and your family.
Dr. David Blunt
 

Finding the right value in dental insurance or dental plans is an important step in purchasing dental coverage for you and your family. Both types of dental plans have advantages and disadvantages and one size does not fit everyone.

Keeping this in mind is an important rule when you shop for the dental plan that best fits your needs. We sell both individual and family dental insurance and dental discount plans throughout all 50 states. Here are some brief examples that may help you decide.

Indemnity - Dental Insurance

This is the plan where you choose your own dentist. The dental insurance 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:

• High deductibles before coverage begins (well-designed plans don't apply the deductible to preventive services)

• Probationary periods on certain procedures that last up to a year

• Annual dollar limit on benefits

• Chose your own dentist

• Your average monthly cost: $15 to $25

• Companies selling these plans are regulated by state insurance departments.

Dental Discount

You will want to use caution with this type of dental plan since it is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 70%) off the regular ADA pricing code.

This plan has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive immediate coverage for work without meeting any waiting period requirements.