Affordable Dental Insurance | “Share your smile with the world. It’s a symbol of friendship and peace.” – Christie Brinkley
Having a big and beautiful smile on your face gives a lot of positive vibes to everyone and you may not know, that smile inspires someone giving him/her reasons to work harder and be determined and having a beautiful and healthy sets of teeth that you show is something that you can be proud of.
But, how can you share the positive vibes if your tooth is breaking and aching or you yourself is suffering pain.
Teeth plays a vital role for people in their everyday lives. It helps you to boost your self-confidence and self-esteem of a person while talking to other person.
Maintaining a healthy set of teeth can be your asset.
Think of it, what if there comes a time when you or one of your family members suddenly feel pain on their mouth and should go to the dentist to check it but you don’t have enough money at that time? How will you handle that?
Now, imagine the same situation but this time, you are not worrying since you have your own dental insurance plan that offers for the needed treatment for you or for your immediate family member.
Can you see the difference?
What are Dental Insurance Plans?
Now, to start it up for you, affordable dental insurance is a kind of health insurance that caters dental services that the insurance company agrees to pay a part or the whole payment of the dental bills that the client acquired.
However, according to the National Association of Dental Plans (NADP) and Delta Dental Plans Association, 1 in every 3 Americans is not able to experience the dental benefits that they supposed to enjoy. Unfortunately, it is because they do not have dental insurance leading them to neglect their dental health.
The question is: Are you one of them?
Now, let’s go the types of coverage that a dental insurance company usually offers.
Dental insurance usually has three types of coverage:
The four types of dental plan coverage are Participating Provider Network (PPO), Health Maintenance Organization (HMO), Fee-for-Service, and Discount Plans.
| Dentist Choice | Out-of-Pocket Cost |
PPO | Fewer Limitations: Not required to visit in-network dentists but PPO in-network dentists will have lowest out-of-pocket costs. | Copayment: Pay a copayment for procedures. Require you to reach a deductible and have a maximum. |
HMO (Prepaid Plan) | Very Limited: Choose one dentist or facility. Out of network procedures will not be covered. | Coinsurance: No deductibles or maximum. You pay a copayment for certain procedures. Some procedures are zero out-of-pocket costs. |
Fee-for-Service (Indemnity Plan) | Fewer Limitations: Large choice of dentists. | Copayment + Fee: Pay a copayment for procedures. Additional fee for the dentist since they are not reimbursed. |
Discount Plans | No Limitations on network | Discounted Fee: Reduced fee-for-service is completely out-of-pocket. No deductible or maximum. |
I’M EAGER TO GET THEM!
We know you’re aching to get one of these insurances, because hey, it’s just a darn good investment and having these benefits can really pay dividends in the long run.
Dental insurance providers mostly have periods where you wait from a range of 6 months to a year before you can have any standard procedure in a clinic nearest you. These periods may require you to wait for an extended time with some insurances allowing work to be done only after 24 months.
These are made in order for the insurance firms to guarantee a gain in profit off of new accounts, discouraging in the process as well people from applying new policies to cover their impending procedures.
Things to Consider to Invest in Dental Insurance
How to get dental insurance
Well, the first thing to do to avail any Affordable Dental Insurance is to ask yourself and being honest on what do you really need and what are your plans in the future.
If you are not a fan of doing research it is better to CALL US or VISIT US for us to explain tom you for FREE the pros and cons and in-depth yet easy to understand details. You know, a decade-long dentists will never lead you stray and in fact they will save you more bucks in the long run!
How it Works
Affordable Dental Insurance covers preventive and basic dental care at very low cost!
Top Hidden Secrets of Your Plan
There a re so many choices or options so like what we have said earlier, TALK TO US for best choice!
As starters, below are some dental insurances that offer the mentioned types of coverage above that you can choose from:
Bay Area Automotive
BCBS of MA (in)
CAREington
CIGNA radius
CIGNA core
CIGNA HMO
Dearborn (in)
DELTACARE HMO
Delta of AR
Dearborn (in)
Delta of AR
Delta AZ
Delta of CA
Delta of CO
Delta of GA
Delta of IA
Delta of IL
Delta of MA
Delta of MI (Michigan)
Delta of MN
Delta of NJ
Delta of MI
Delta of VA
Delta of WA
Delta of WI
Delta Dental of Federal Gov’t. Program
Denta Quest
Direct Dental Admn.
Guardian
GEHA
HUMANA
Liberty
Metlife
ODS (moda health)
Premier Access (SJ)
Principal
Premera BC
Regence of Oregon (SJ)
Securian Dental
Sun Life Financial
United Concordia
United Health
Standard
APWU
OUR NETWORK INSURANCES
Advantica
Advantica Dental Network PPO
Connection Dental Network
Aetna
Dental PPO/PDN
AIG
SmileMax (Administered by Careington International and Dentemax)
Ameritas
Classic (PPO)
Anthem Blue Cross
Dental PPO
Assurant Employee Benefits
Assurant Dental Network PPO
Assurant Focus Dental Network PPO
Best Life And Health
CONNECTION Dental (through PPOUSA)
Blue Cross Blue Shield
BlueCard® PPO/EPO
Medicare Advantage PPO
Blue Cross Blue Shield of Arizona
BluePreferred Dental(PPO)
Blue Cross Blue Shield of Florida (Florida Blue)
Dental – BlueDental Choice & Choice Plus (PPO)
Dental – BlueDental Choice Copayment (PPO)
Blue Cross Blue Shield of Illinois
BlueCare Dental (DPPO)
Blue Cross Blue Shield of Texas
BlueChoice PPO Plan
Blue Shield of California
Dental PPO (Individual plans)
Federal Employee Health Benefit Program PPO
CareFirst Blue Cross Blue Shield
Preferred Dental (PPO)
Careington
Care Platinum POS Plan
Care POS Plan
Cigna
Cigna Dental Care HMO
Cigna Dental EPO: Radius Network
Cigna Dental PPO
Cigna Dental PPO: Radius Network
Connection Dental
CONNECTION Dental Plus
GEHA Connection Dental Federal
Coventry Dental
Employer-sponsored
Dearborn National
PPO
Delta Dental
Delta Dental Network Premier
Delta Dental PPO
Delta Dental PPO Plus Premier
DeltaCare USA (HMO)
Dental Benefit Providers
CA Select Managed Care Direct Compensation
Dental Options PPO
In Network Only PPO – INO
National PPO Network
PPO
PPO Discount Plan Network
Dental Network of America
DPPO
DentaQuest
Access ePPO PPO
Access PPO
Choice PPO
Dentegra
Basic Plan
Dentemax
Dental Solutions Value Card Program
Empire Blue Cross Blue Shield
PPO
Excellus Blue Cross Blue Shield
Dental Blue PPO
Fidelio Dental
PPO
First Dental Health
PPO
PPO & EPO
Florida Blue: Blue Cross Blue Shield of Florida
Dental – BlueDental Choice & Choice Plus (PPO)
Dental – BlueDental Choice Copayment (PPO)
GEHA
CONNECTION Dental Network
Guardian
Dental PPO
DentalGuard Alliance
DentalGuard Alliance / DentalGuard Preferred
DentalGuard Preferred Select
PPO: DentalGuard Preferred
GWH-Cigna (formerly Great West Healthcare)
PPO
Health Net
Health Net PPO Commercial
Horizon Blue Cross Blue Shield of New Jersey
Horizon Dental PPO
Horizon Dental PPO Access
Humana
PPO/Traditional Preferred
Liberty Dental
Independence PPO
Lincoln Financial Group
DentalConnect (PPO)
MetLife
PDP
PDP Plus (Preferred Dentist Program)
Moda Health
Delta Dental PPO
Nationwide
Multiflex Dental Insurance
OneNet PPO
One Net Dental PPO Network
Premier Access
Dental PPO
Principal Financial Group
Principal Plan PPO
Prominence Health Plan
Northern Nevada Dental
Southern Nevada Dental
Reliance Standard
PPO
Sele-Dent
NY/NJ Sele-Dent Provider
Solstice
Solstice PPO
Stellar Advantage PPO
Sun Life Financial
Connection Dental
TDA (Total Dental Administrators)
PPO
UniCare
Dental PPO
UnitedHealthcare
Dental PPO
In Network Only PPO – INO