Welcome to DentalInsurance4you.com
DentalInsurance4U.com provides a new way to find dental coverage for yourself or your family. We have selected the best dental coverage options available anywhere and put them on one website so you can access free quotes and complete online enrollments instantly.
Dental coverage is not like health coverage. Dental coverage varies by product type, and then by plan benefits. There are four coverage types of plans available for you to choose from and each has its advantages and disadvantages. It is important to note that not all dentists accept all types of plans, so it is very important that you verify if your dentist accepts the plan you choose. Also, many plans do not have coverage for cosmetic dentistry, or in some cases, orthodontics. Usually dental implants are not covered, but dentures generally are.
Dental coverage is not like health coverage. Dental coverage varies by product type, and then by plan benefits. There are four coverage types of plans available for you to choose from and each has its advantages and disadvantages. It is important to note that not all dentists accept all types of plans, so it is very important that you verify if your dentist accepts the plan you choose. Also, many plans do not have coverage for cosmetic dentistry, or in some cases, orthodontics. Usually dental implants are not covered, but dentures generally are.
The five types of dental plans include:
Dental PPO Insurance Plans (PPO)
These plans allow you to see any dentist, but offer more savings when you go to a network provider. They usually have no or limited waiting periods for preventative care, but do have waiting periods for basic and major services. There is usually an annual maximum that the carrier is willing to pay towards covered services. These plans usually reimburse the dentists a percentage based off the "Usual and Customary Rate" for the service that is provided. That rate may not always be what your provider charges, so always review the dental treatment plan prior to having a service completed. However, if you have service completed in-network, they will probably have a set discounted rate.
Dental Health Maintenance Organizations (DHMO)
These are usually much cheaper than the PPO dental plans and dental indemnity insurance plans. DHMO's have networks of dentists under contract with the dental insurance company and offer member's set rates for various procedures. You cannot see a provider outside of the network on these plans.
Dental Indemnity Plans (Non-Network)
These plans will reimburse you (or sometimes the dentist if they will file a claim) for services that you have completed at any provider as long as they are covered procedures. Example: They may pay you $50 for a filling. If that filling costs more or less you are responsible for the difference. So, if the dentist charges you $90, you'd have to pay out $40 more then you are would be reimbursed for. Per Assurant/Time Health (A large National Dental Insurance Carrier), approximately only 40% of dentists take part in dental networks. So this type of plan would work best for those with dentists that do not participate in dental networks. These plans generally require the member file a claim form in order to be reimbursed.
Dental Discount Plans
These are extremely popular because of their pricing, and in most cases offer access to the most benefits without any waiting periods, pre-existing condition limitations, or annual maximums. Plan premiums usually range from $99-$150 annually for an individual and $150-$190 for a family. They are network plans, meaning you must use a dentist that has contracted or agreed to accept the plan terms and conditions. Many dentists that want to grow their practices usually accept these plans. By doing so, the carrier is able to provide them with new patients and they in-turn will only bill the patient the agreed upon rate of that plan. They usually offer low to no cost preventative care and lower cost co-pays for most basic and/or major services.
Prepaid Dental Plans
These are similar to "Discount Dental Plans". See above.
These plans allow you to see any dentist, but offer more savings when you go to a network provider. They usually have no or limited waiting periods for preventative care, but do have waiting periods for basic and major services. There is usually an annual maximum that the carrier is willing to pay towards covered services. These plans usually reimburse the dentists a percentage based off the "Usual and Customary Rate" for the service that is provided. That rate may not always be what your provider charges, so always review the dental treatment plan prior to having a service completed. However, if you have service completed in-network, they will probably have a set discounted rate.
Dental Health Maintenance Organizations (DHMO)
These are usually much cheaper than the PPO dental plans and dental indemnity insurance plans. DHMO's have networks of dentists under contract with the dental insurance company and offer member's set rates for various procedures. You cannot see a provider outside of the network on these plans.
Dental Indemnity Plans (Non-Network)
These plans will reimburse you (or sometimes the dentist if they will file a claim) for services that you have completed at any provider as long as they are covered procedures. Example: They may pay you $50 for a filling. If that filling costs more or less you are responsible for the difference. So, if the dentist charges you $90, you'd have to pay out $40 more then you are would be reimbursed for. Per Assurant/Time Health (A large National Dental Insurance Carrier), approximately only 40% of dentists take part in dental networks. So this type of plan would work best for those with dentists that do not participate in dental networks. These plans generally require the member file a claim form in order to be reimbursed.
Dental Discount Plans
These are extremely popular because of their pricing, and in most cases offer access to the most benefits without any waiting periods, pre-existing condition limitations, or annual maximums. Plan premiums usually range from $99-$150 annually for an individual and $150-$190 for a family. They are network plans, meaning you must use a dentist that has contracted or agreed to accept the plan terms and conditions. Many dentists that want to grow their practices usually accept these plans. By doing so, the carrier is able to provide them with new patients and they in-turn will only bill the patient the agreed upon rate of that plan. They usually offer low to no cost preventative care and lower cost co-pays for most basic and/or major services.
Prepaid Dental Plans
These are similar to "Discount Dental Plans". See above.
Available Dental Plans:
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The MyCIGNA dental plans offer three options with no cost or waiting periods on preventive dental care. They use the myCIGNA PPO dental network which offers access to a large network of providers. These plans are also available on a child-only basis and allow you to pay via monthly credit card payment. They will also waive the waiting periods with proof of 12 months of continuous prior dental insurance coverage. See the DPPO provider network.
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Ameritas, previously known as Security Life, understands that your dental insurance needs are unique, so they are committed to finding you the right dental plan to meet those needs. Their plans offer no enrollment fees, 30-day customer satisfaction guarantee, coverage for individuals 18+; including seniors, and optional vision coverage as well as stand-alone vision plans. They provide coverage for most major services, including dentures and implants (subject to availability). Also have one of the largest nationwide dental networks with over 400,000 access points.
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Humana offers several dental and vision plans that fit the needs of most families. They also offer a low cost pre-paid dental plan which offer discounts for many services. See the Dental & Vision providers.
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UnitedHealthOne Dental and Optional Vision offers two impressive dental insurance options. The plans give you access to over 210,000 in-network dental providers nationally. However, you can go out of network if needed. Both cover preventative dental care at 100% prior to any deductibles. Both plans also allow you to add optional vision coverage if needed. See the Dental providers (select United Healthcare Dental Network link) or see the Vision providers.
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DP Dental Plans offers visitors access to 30+ discount dental plans, an affordable alternative to dental insurance. Save 10% to 60% on most dental procedures, including checkups, cleanings, braces, and cosmetic dentistry on select plans. Offered through great carriers such as Aetna, Cigna, Carrington, Blue Cross, and many more. Begin your quote or enrollment by clicking the button to the left. This will open a separate window where you will need to enter your zip code under 'STEP 1' in the top banner.
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National General offers three different benefit levels to choose from, helping you find the plan that best fits your needs and budget. They don not require a waiting period for preventive care — such as evaluations, examinations, cleanings, fluoride treatments and x-rays — helping you get the coverage you need, right away
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Dental for Everyone offers you the some of the best PPO Dental Plans available from the nation's largest PPO dental carriers. They include Delta Dental, Madison Dental, Nationwide, Symetra Financial and AmFirst Dental. You can also enroll in VSP Vision Care or Solstice Clear. There are many different options and prices available, so just type in your zip code and you'll see all the plans available to you.
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DentalInsurance4U.com also represents many other regional and local carriers. Please feel free to call or
email us to check out other available options for you dental coverage needs.
Looking for Group Dental quotes? DentalInsurance4U.com can help!
Please call to speak with our highly trained agents at your convenience.
email us to check out other available options for you dental coverage needs.
Looking for Group Dental quotes? DentalInsurance4U.com can help!
Please call to speak with our highly trained agents at your convenience.
We are not associated with Medicare, Medicaid or the Federal government.
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6003 Honore Avenue, Suite 104, Sarasota, FL 34238 888.446.4969 Fax 888.470.7871
6003 Honore Avenue, Suite 104, Sarasota, FL 34238 888.446.4969 Fax 888.470.7871
