Dental
People come in for an appointment without knowing what their insurance covers. They think we have a crystal ball that tells us everyone's insurance information. We don't. And we need to find out what's covered before we can do anything - Damian Dachowski DMD
image by: Andrea Piacquadio
HWN Suggests
Instead of Buying Dental Insurance, You May Want to Consider a Discount Plan
Dental insurance seems like a good idea, but as personal finance blog Smart Money points out, most plans cover very little. Instead, they suggest looking into Dental Price Clubs which offer discounts and can save you more money in the long run.
The problem with dental insurance is that coverage is pretty poor. While rates are low and the cost of two yearly checkups are often fully covered, payouts for actual dental work are pretty low. Smart Money notes that payouts on most plans are between $1,000 and $2,000 per year, and those numbers haven't changed since the 70s.
Instead, they suggest looking at discount plans (like the ones from Northeast Dental Plan, Careington,…
Featured
The Truth About Dental Insurance
Your dental insurance company has never met you. So why do you value their opinion?
Think Twice Before Buying Private Dental Insurance
There are alternatives that may make more financial sense.
Articles of Interest
Dental Price Clubs: Should You Bite?
In the final analysis, experts say the new companies might be worth a look. With regular dental coverage, it's usually impossible to get back more than the cost of the premiums (because of co-pays and maximum annual reimbursements). In that sense, dental insurance is a form of pre-payment. But rather than gamble on how much coverage you might need, or wait to get all your work done, a discount plan may be a better deal to pay for, and get, your dental care when you need it.
Meet a startup building an insurance business around a connected toothbrush
You don’t really need an Internet-connected toothbrush. Sure, it may be fun sifting through all the data it collects about how often you clean your teeth. But there’s no reason for the average person to pay extra for it. It’s purely a luxury. But to a dental insurance company, giving connected toothbrushes to policy holders makes all the sense in the world.
Resources
5 Reasons To Ditch Your Dental Insurance
Do you really need dental insurance? Maybe not. If you have healthy teeth, you might also have a healthier budget by declining dental coverage.
Beam
Dental PPO plans with a twist.
DentalPlans.com
Since 1999, DentalPlans.com has offered comprehensive and affordable discount dental plans to individuals, families and groups. Our discount dental plans may be used as alternatives to dental insurance options or along with existing dental insurance plans for even more savings on most dental care procedures.
New Dental Choice
New Dental Choice is a dental plan offered by First Dental Health that provides dental coverage, an alternative to dental insurance, and affordable dental coverage that is available to all audiences including individuals, families, groups, and small or large businesses.
Delta Dental
Delta Dental maintains customer satisfaction and continues to be the fastest growing dental benefits carrier by offering The Delta Dental DifferenceSM.
Safeguard
View and manage your Safeguard and SmileSaver Dental and Vision benefits here.
Careington
Don't let rising health care costs prevent you from receiving the quality dental and vision care you need. Careington's Dental & Vision Plus Discount Plan makes it easy and affordable to take care of your health by providing you with significant discounts on dental exams, major dental work, eye exams, eyewear, LASIK surgery and more.
Humana
As one of the nation's largest dental benefits companies, HumanaDental offers group dental insurance to employers.
Private Healthcare UK
Private Healthcare UK helps people make informed decisions about private healthcare services and providers by providing information and medical websites resources which are current, and comprehensive.
United Concordia Dental
we partner with producers and employers to offer flexible, value-driven group dental benefits backed by excellent customer service.
UnitedHealthcare
Cavities. Wisdom teeth. Dental care can be expensive, and it may be challenging to know how to budget for it. With dental insurance coverage from UnitedHealthcare's, Golden Rule Insurance Company, underwriter of UnitedHealthOne plans, you and your family can enjoy the convenience and simplicity you need and the dental insurance options you want.
