| Dental Insurance |
Family Dental InsuranceWhen 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:
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.
General Electric (GE) Wellness Plan: Under this family dental plan, coverage extends to the policyholder's spouse and financially dependent members of the household. The GE Wellness Plan lets you select a dentist from a vast network of qualified professionals, has no deductible or coinsurance, and includes orthodontics coverage.
American Dental Plan: Under this family dental plan, coverage extends 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. |