Hello and welcome to MyIndividualDentalInsurance.com, an online informational resource dedicated to providing a clear and concise understanding of the basic makeup of dental insurance plans. Our free website provides dental insurance definitions, plan descriptions, information on the range of coverages, average costs, an introduction to the ever-blossoming field of orthodontics, and much, much more. It is extremely important that you thoroughly research the dental industry prior to committing to any one dental plan or provider.
Dental insurance has been on the rise over the course of the last decade as people become more aware of the importance of maintaining excellent oral health, although dental insurance is still predominantly viewed as secondary to health insurance by most Americans. Having dental insurance coverage allows for the continual maintenance of your oral health. Investing in preventative dental care has the potential of saving you a great deal of time, pain and money in the long run if it helps to thwart serious dental procedures / issues.
There are four major dental insurance plans from which to choose from, including:
There are tens of millions of Americans who are living without any kind of healthcare insurance. What isn’t well known is that there are even more Americans who are living without any kind of dental care insurance. Dental care has always been and will always been viewed as secondary to health insurance, however it shouldn’t have to be a matter of selecting one or the other.
Like health insurance, dental insurance is best viewed as a preventative tool that is designed to save you money in the long run. It is the recommendation of the surgeon general that you visit a dentist at least once a year in order to maintain the health of your teeth and gums. The most costly, severe oral health problems generally occur as a result of lack of maintenance, and waiting a to treat a problem once it has fully developed.
When it comes time to choose the type of dental coverage that is right for you, you should gauge the amount of money that you have to work with on a monthly/annual basis, the number of people whom you are in need of coverage for, the amount of flexibility you are seeking, and the extent of the coverage that you require. The cheapest most basic form of coverage can be found through a discount dental plan. If you are looking for the most expensive, most expansive form of dental coverage, then you should consider a dental indemnity plan.
When it comes to purchasing any type of insurance policy, it will always cost less to purchase a group or family plan as opposed to purchasing numerous individual plans. This of course applies to dental insurance where purchasing a family plan can be more than 2 times as expensive as purchasing an individual dental insurance plan, however more affordable than purchasing multiple individual dental insurance policies. Generally speaking, a family dental insurance plan will provide coverage for everyone in your family (and possibly other dependents) dependent on age and dependency. This of course varies from provider to provider.
Examples of family dental insurance plans include:
(The following plans are subject to change. They are solely intended to offer a snapshot view of family dental insurance)
Aetna Dental Access: Under this family dental plan, coverage extends to the policyholder’s spouse, children and financial dependents. This plan is similar to a Discount Dental Plan in that it is not actually a form of insurance, rather a type of dental care coverage. There are no deductibles, no claim forms and no exclusions of pre-existing conditions.
Smileworks Delta Dental: Provided by thousands of offices across the country. This plan is simply the acceptance of the overall Delta Dental provided for some of the military. Allows two office visits/teeth cleaning per year plus other significant discounts. Most popular in areas near bases and military installations. Or do a local internet search for a “dentist near me“.
General Electric (GE) Health Choice: Under this family dental plan, coverage extends to the policyholder’s spouse and financially dependent members of the household. GE Health Choice has two options: GE Dental Schedule Option and the GE Dental Premium Option. See their website for more information on deductibles, percentages and who of the family is covered to what extent.
Roe and Associates Dental Plus: All budgets are met with a variety of plans. Dental insurance plans can be custom built to include what dentistry can be afforded and what is desired. Prices vary by state. Benefits that can be shopped for in coverage include the following but the list is not inclusive of all. -Orthodontia including braces; -Basic restorative services such as fillings, extractions, etc.; -Preventive services such as exams, cleanings, fluoride treatment, sealers; -Oral health total to provide total reimbursement for certain dental procedures associated with eligible medical conditions; -Major restorative services which could include crowns, bridges, dentures, root canals, etc. Nationwide coverage is provided even when you relocate. Both family and individual dental insurance plans are available as well as Medigap policies.
American Dental Plan: This family dental plan is for everyone that does not have full coverage from an exiting employer. That means that if you have partial dental coverage from your employer, this insurance plan could apply. The coverage varies, but has recently extended to the policyholder’s spouse and children (up to age 18 – students up to age 23). The plan provides coverage for orthodontics as well as offering as much as 20% off of services received from a specialist.
For other non-company specific detail on dental insurance, see:
One thing that everyone could use is something that few get. Dental insurance used to be something that was pretty standard when benefits were offered with a job. Along with most of the medical insurance that employees got came a package for dental, even if it was a small one. I know that my husband’s company used to have this, but it has since been erased from his benefits package. It didn’t do much, but it was nice to have it. I also had some at my former job, but I would guess they no longer carry it either.
Some may find that their companies do offer dental insurance, but it might not be something they can afford. Some cover it completely, but those are lower in number than every before. For those companies that have it available, you will have to pay some or all of the premium on your own. That can be costly. Some have plans where they will reimburse you up to a certain amount, but you do have to pay for it on your own first, and then wait for the reimbursement check to come from your dental insurance company back to you through the mail. It can take months.
Insurance for dental is not deemed as important as health insurance, and that is probably because most dental problems are not really life or death, though there are some exceptions. An infection in the mouth can be deadly if not treated, and if it is related to the teeth, hospitals and doctors will often not touch it. They will send you to a dentist. A pregnant woman with a infection in her mouth may actually put her baby in danger. Unlike the emergency room, however, you usually can’t get away with getting the work done and then paying later. Most demand at least half of the money up front. That is why dental insurance is something most would love to have.
You can find some places that offer you dental insurance at a very reasonable price if you can not get it through your job. You should find out exactly what they offer, however, before you sign up and start paying the premium. Some have small print that can mean you are paying for something that you may never use. It might also exclude the very reason why you have to go to the dentist in the first place. Look through and find a few good companies that offer insurance for dental work, and then compare to see which will give you the best rate and the most value for that rate.
When you near age 65, some dental insurance plans may necessarily change. You should be notified, however being proactive may be worth your time. A good example is that of retired military on Delta Dental. Upon turning 65 years old, this plan may drop you and you will have to secure other insurance if you wish to remain insured. One option that we found was: Federal Employees Dental and Vision Insurance Program (FEDVIP). This looked like the best alternative for retired military personnel turning Medicare age.
(from one of our customers) My sister went for some lab work the other day and was given no indication of her prognosis whatsoever. She understood that it took a couple of days for results to come back, and she was fine with that. She just wanted didn’t want to have to pay the insurance deductible for another office visit to find out what the results were. Sure enough, she received a call yesterday saying she needed to come back in for the results and was informed she would have to pay for another doctor’s visit, and that’s when she realized it is important to ask dental and medical questions when given the opportunity.
She told me she wished she had brought up to the doctor before he sent her to get her work done that she was not on insurance and really could not afford a second co-pay. She said she understands if the results reveal that she needs further treatment, but if she is being called in just to have it confirmed that her blood work came back normal and she owes $65 more, she is going to be very upset.
I could totally relate, because I have had a couple of experiences where I had the opportunity to ask dental and medical questions but did not, and it really came back to haunt me. One such occasion came when I thought that I had a hernia. I had gone to my doctor for a routine checkup but forgot to ask about the hernia. When I called her back to ask her, she said she would have to look at it to tell me for sure. I asked her if I would have to pay the insurance deductible for another office visit, and she said unfortunately, I would.
On another occasion, I was having problems with chest pain when I went to see the doctor for what I believed to be a stomach ulcer. As it turned out, it was not that serious, but I pointed out that I was having chest pain as well. He gave me a complete run-down on what the chest pain was probably stemming from and how to deal with the situation. I thanked him and left, and I was proud that I had remembered to ask medical questions and sort of kill two birds with one stone.
There are many places online where one can ask dental or medical questions and get a response in a pretty timely manner from an actual dentist or doctor. This comes in handy when going to see a doctor or dentist would be cost prohibitive or it happens after a doctor’s office hours. This also completely applies to dental procedures done by your dentist. Prepare before you even go to the dental offices and chat with your dentists.
For example: If you see a new piece of dental equipment or a dental tool that you have never seen before or have no idea what it could possibly be for, ask. Quiz the dentist or dental assistance in a nice way but be comfortable with what is going to be done for your dentistry and dental work.
It is always important to ask medical/dental questions for any kind of pain or dysfunction. What I typically do is make up a list of issues that I am having when I go to the doctor. Typically, the real trouble is only the ailment I am going to see him for, but it does make things easier and a lot less costly.
Many Americans are without healthcare coverage and dental care insurance, but even those who think they have it are not covered as they think they are. In fact, many have no idea what their insurance covers and what it will not, and they are often in for a disappointing surprise when they present their insurance cards for whatever it is that they need, only to find they are not covered. If you are covered by your place of employment, you may not have much choice about your provider, but if you have a choice, do your research before you choose someone.
You are paying for your dental insurance coverage, even if your program is through your company. The insurance provided through your company is paid for out of your wages in some part. If you didn’t have that coverage, you might be making more per hour. However, that does not mean you have much choice in your provider. Companies choose a certain dentistry insurance provider for a variety of reasons, and probably the biggest on is the cost of the coverage as opposed to what they will offer for services and how big the deductible might be each year.
When you can choose your own dentist care coverage, take your time when you shop. You want to check out a huge number of different things. One of the best ways to get a feel for a company is to call them up and ask them some questions. If you can’t understand the way they word things before you buy, your chances of understanding when you need help after you have purchased are very low. Find out if someone is willing to give you a straight answer before they have your money. If not, it’s not going to get any better.
When you finally choose your dental care coverage, take a look at all that they send you. Insurance information is often hard to read. It is dry, and full of terms that most people cannot hope to understand. Even those with a legal degree can have problems with this type of information. When you can’t make heads or tails of your coverage, call them and keep calling until you get what you need. If you don’t understand, ask to speak to someone else. It might take up some of your time, but it is much better if there are no surprises when you have issues with your teeth and you really need to know.