Affordable Dental Plans and Insurance
Let’s face it. Dental care is expensive and treatments costs are only going to go up in the future. By searching and finding some great affordable dental plans and insurance policies you can save yourself a lot of money and a lot of headaches at the same time. Always review the company you are interested in and read the reviews others have left. It’s always better to know someone else’s horror story to help save you from going through the same thing. Listed below are some of the top dental insurance plans and companies and a brief summary about them. Click any of the links below to read more about them and write or read a review.
First, here are some questions you should ask about each dental plan you look at:
- How much money will this dental plan cost you every month?
- Ask about the deductible. How high is it, and what will be paid for once it is met?
- Can you choose your own dentist or do you have to choose from their network?
- Exactly what procedures are covered?
- Do you want cosmetic dentistry covered as well as preventative care?
Aetna Dental Insurance Plans
With millions of people already using Aetna dental plans it’s pretty safe to say that this is one of the better places to look for getting great dental care. But besides offering dental insurance Aetna also offers what’s called a discount dental plan which acts kind of like a coupon every time you visit the dentist. Many preventative treatments are free and you can receive discounts as much as 60% on other common treatments with Aetna Dental Access. You can choose from over 80,000 dentists, so it should be easy to find one in your area.
Humana Dental Plans
Humana has made a name for itself in the dental insurance industry, and with over 130,000 dentists nationwide and really fast claims, they have a lot of satisfied customers. They have four basic plans to choose from: Traditional, PPO, Preventive Plus, and DHMO. All of these plans cover major work like crowns, bridges, and dentures except for the preventive plan which is a more economical choice as well. You do not have to visit the dentists in their network, but you will be saving money if you do.
Cigna Dental Insurance Plans
Cigna offers a huge range of plans and you even have the options of switching back and forth between plans if your situation demands it. Their DHMO plan is one of the most desireable as it has no deductible to meet, there is no co-pay, and each family member can choose their own dentist. With the PPO plan you have to use the Cigna network of dentists but you get greater savings when you use the network than going outside of it. And why not use an in-network dentist because then you don’t have to file a claim.
Blue Cross and Blue Shield Dental Plans
Blue Cross has one of the most well known names in the insurance industry, so what do they offer for dental care? A program called Dental Blue can be a good option for individuals. There is no waiting period for routine cleanings and preventative care, but there is a 6 month wait for some dental procedures. In other words, you will just have to wait to receive compensation. There is an annual limit of $1,000, so this plan is better for individuals who already take good care of their teeth. Basic services include fillings, extractions, certain crowns and types of oral surgery.
Ameriplan Dental Plans
Ameriplan has some of the most competitive savings in the industry and with a growing network of more than 30,000 dentists, it’s getting better all the time. It should be noted this is a dental plan and not necessarily dental insurance. In other words, you get discounts on dental procedures instead of waiting for compensation. So the savings are upfront and you have no waiting period, no age limit, no yearly limit on services, and no paper work to fill out. So, I guess less is more after all.
Guardian Dental Insurance Plans
Guardian is offered mainly through employers and has some great benefits. According to the company the average savings with their dental insurance is about 30% below what the dentist office will charge you. Claims are usually processed in 3 days or less and there are over 80,000 providers within their network. There is also a vision plan that can be added to the Guardian plan.