BestDentalplans.com

Best low cost individual dental insurance plans


Illinois Dental Insurance Quotes


Best Illinois Dental Insurance Plans,
 Illinois Dental Plans,
 Illinois Discount Dental Plans, Illinois Dentists

Click here to find Dental Plans in Illinois or a Dentist
Select a city in Illinois to Find a Dentist and Dental Plans.
 Our Illinois Dentist Referral and Dentist Search
provides you with the best Illinois Dental Plans.
 

Raleigh
Abingdon
Adair
Addieville
Addison
Adrian
Akin
Albany
Albers
Albion
Alden
Aledo
Alexander
Alexis
Algonquin
Alhambra
Allendale
Allerton
Alma
Alorton
Alpha
Alsey
Alsip
Alta
Altamont
Alto Pass
Alton
Altona
Alvin
Amboy
AMF O`Hare
Anchor
Ancona
Andalusia
Andover
Anna
Annapolis
Annawan
Antioch
Apple River
Arcola
Arenzville
Argenta
Argo
Arlington
Arlington Heights
Armington
Armstrong
Aroma Park
Arrowsmith
Arthur
Ashkum
Ashland
Ashley
Ashmore
Ashton
Assumption
Astoria
Athens
Atkinson
Atlanta
Atwater
Atwood
Auburn
Augusta
Aurora
Ava
Aviston
Avon
Baileyville
Baldwin
Bannockburn
Bardolph
Barnhill
Barrington
Barrington Hills
Barry
Barstow
Bartelso
Bartlett
Bartonville
Basco
Batavia
Batchtown
Bath
Baylis
Beach Park
Beardstown
Beason
Beaverville
Beckemeyer
Bedford Park
Beecher
Beecher
Beecher City
Belknap
Belle Rive
Belleville
Bellevue
Bellflower
Bellmont
Bellwood
Belvidere
Bement
Benld
Bensenville
Benson
Benton
Berkeley
Berwick
Berwyn
Bethalto
Bethany
Big Rock
Biggsville
Bingham
Birds
Bishop Hill
Bismarck
Blackstone
Blandinsville
Bloomingdale
Bloomington
Blue Island
Blue Mound
Bluff Springs
Bluffs
Bluford
Boles
Bolingbrook
Bondville
Bone Gap
Bonfield
Bonnie
Boody
Booty
Boulder Hill
Bourbonnais
Bowen
Braceville
Bradford
Bradley
Braidwood
Breese
Bridgeport
Bridgeview
Brighton
Brimfield
Bristol
Broadlands
Broadview
Brocton
Brookfield
Brookport
Broughton
Browning
Browns
Brownstown
Brussels
Bryant
Buckingham
Buckley
Buckner
Buda
Buffalo
Buffalo Grove
Buffalo Prairie
Bulpitt
Buncombe
Bunker Hill
Burbank
Bureau
Burlington
Burnham
Burnside
Burnt Prairie
Burr Ridge
Bushnell
Butler
Byron
Cabery
Cache
Cahokia
Cairo
Caledonia
Calhoun
Calumet City
Calumet Park
Camargo
Cambria
Cambridge
Camden
Cameron
Camp Grove
Camp Point
Campbell Hill
Campus
Canton
Cantrall
Capron
Carbon Cliff
Carbondale
Carlinville
Carlock
Carlyle
Carman
Carmi
Carol Stream
Carpentersville
Carrier Mills
Carrollton
Carterville
Carthage
Cary
Casey
Caseyville
Castleton
Catlin
Cave in Rock
Cedar Point
Cedarville
Centralia
Centreville
Cerro Gordo
Chadwick
Chambersburg
Champaign
Chana
Chandlerville
Channahon
Chapin
Charleston
Chatham
Chatsworth
Chebanse
Chenoa
Cherry
Cherry Valley
Chester
Chesterfield
Chestnut
Chicago
Chicago Heights
Chicago Ridge
Chillicothe
Chrisman
Christopher
Cicero
Cisco
Cisne
Cissna Park
Clare
Claremont
Clarendon Hills
Clay City
Clayton
Claytonville
Clifton
Clinton
Coal City
Coal Valley
Coatsburg
Cobden
Coello
Coffeen
Colchester
Colfax
Collinsville
Collison
Colona
Colp
Columbia
Colusa
Compton
Concord
Congerville
Cooksville
Cordova
Cornell
Cornland
Cortland
Cottage Hills
Coulterville
Country Club Hills
Countryside
Cowden
Creal Springs
Crescent City
Crest Hill
Creston
Crestwood
Crete
Creve Coeur
Cropsey
Crossville
Crystal Lake
Cuba
Cullom
Cutler
Cypress
Dahinda
Dahlgren
Dakota
Dale
Dallas City
Dalton City
Dalzell
Dana
Danforth
Danvers
Danville
Darien
Davis
Davis Junction
Dawson
De Kalb
De Land
De Soto
Decatur
Deer Creek
Deer Grove
Deer Park
Deerfield
Delavan
Dennison
Depue
Des Plaines
Dewey
Dewitt
Dieterich
Divernon
Dix
Dixmoor
Dixon
Dolton
Dongola
Donnellson
Donovan
Dorsey
Dover
Dow
Dowell
Downers Grove
Downs
Du Bois
Dundas
Dundee
Dunfermline
Dunlap
Dupo DuQuoin
Durand
Dwight
Eagarville
Earlville
East Alton
East Carondelet
East Dubuque
East Dundee
East Galesburg
East Hazel Crest
East Lynn
East Moline
East Peoria
East Saint Louis
East St Louis
Easton
Eddyville
Edelstein
Edgewood
Edinburg
Edwards
Edwardsville
Effingham
El Paso
Elburn
Eldena
Eldorado
Eldred
Eleroy
Elgin
Elizabeth
Elizabethtown
Elk Grove Village
Elkhart
Elkville
Ellery
Elliott
Ellis Grove
Ellisville
Ellsworth
Elmhurst
Elmira
Elmwood
Elmwood Park
Elsah
Elvaston
Elwin
Elwood
Emden
Emington
Emma
Energy
Enfield
Eola
Equality
Erie
Esmond
Essex
Eureka
Evanston
Evansville
Evergreen Park
Ewing
Fairbury
Fairdale
Fairfield
Fairmont
Fairmont City
Fairmount City
Fairview
Fairview Heights
Farina
Farmer City
Farmersville
Farmington
Fenton
Ferris
Fiatt
Fidelity
Fieldon
Fillmore
Findlay
Fisher
Fithian
Flanagan
Flat Rock
Flora
Flossmoor
Foosland
Ford Heights
Forest City
Forest Park
Forrest
Forreston
Forsyth
Fort Sheridan
Fowler
Fox Lake
Fox Lake Hills
Fox River Grove
Fox Valley
Frankfort
Frankfort Heights
Franklin
Franklin Grove
Franklin Park
Frederick
Freeburg
Freeman Spur
Freeport
Fulton
Fults
Gages Lake
Galatia
Galena
Galesburg
Galt
Galva
Garden Prairie
Gardner
Gays
Geff
Geneseo
Geneva
Genoa
Georgetown
Gerlaw
German Valley
Germantown
Germantown Hills
Gibson
Gibson City
Gifford
Gilberts
Gillespie
Gilman
Gilson
Girard
Gladstone
Glasford
Glen Carbon
Glen Ellyn
Glenarm
Glencoe
Glendale Heights
Glenview
Glenview NAS
Glenwood
Godfrey
Golconda
Golden
Golden Eagle
Golden Gate
Golf
Good Hope
Goodfield
Goodings Grove
Goodwine
Goreville
Gorham
Grafton
Grand Chain
Grand Ridge
Grand Tower
Grandview
Granite City
Grant Park
Grantsburg
Granville
Graymont
Grayslake
Grayville
Great Lakes
Green Oaks
Green Rock
Green Valley
Greenfield
Greenup
Greenview
Greenville
Gridley
Griggsville
Groveland
Gurnee
Hagarstown
Hainesville
Hamburg
Hamel
Hamilton
Hamletsburg
Hammond
Hampshire
Hampton
Hanna City
Hanover
Hanover Park
Hardin
Harmon
Harrisburg
Harristown
Hartford
Hartsburg
Harvard
Harvel
Harvey
Harwood Heights
Havana
Hawthorn Woods
Hawthorn Woods
Hazel Crest
Hebron
Hecker
Henderson
Hennepin
Henning
Henry
Herald
Herod
Herrick
Herrin
Herscher
Hettick
Heyworth
Hickory Hills
Hidalgo
Highland
Highland Park
Highwood
Hillsboro
Hillsdale
Hillside
Hillview
Hinckley
Hindsboro
Hines
Hinsdale
Hodgkins
Hoffman
Hoffman Estates
Holcomb
Homer
Hometown
Homewood
Hoopeston
Hooppole
Hopedale
Hopkins Park
Hoyleton
Hudson
Huey
Hull
Humboldt
Hume
Huntley
Huntsville
Hurst
Hutsonville
Hyde Park
Illinois City
Illiopolis
Ina
Indian Head Park
Indianola
Industry
Ingleside
Ingraham
Inverness
Iola
Ipava
Iroquois
Irving
Irvington
Island Lake
Itasca
Iuka
Ivesdale
Jacksonville
Jacob
Janesville
Jerseyville
Jewett
Johnsburg
Johnsonville
Johnston City
Joliet
Jonesboro
Joppa
Joy
Junction
Justice
Kampsville
Kane
Kaneville
Kankakee
Karbers Ridge
Karnak
Kasbeer
Keenes
Keensburg
Keithsburg
Kell
Kempton
Kenilworth
Kenney
Kent
Kewanee
Keyesport
Kilbourne
Kildeer
Kincaid
Kinderhook
Kingston
Kingston Mines
Kinmundy
Kinsman
Kirkland
Kirkwood
Knoxville
La Fayette
La Fox
La Grange
La Grange Park
La Moille
La Place
La Prairie
La Rose
La Salle
Lacon
Ladd
Lafox
LaHarpe
Lake Barrington
Lake Bluff
Lake Forest
Lake Fork
Lake in the Hills
Lake of the Woods
Lake Shelbyville
Lake Villa
Lake Zurich
Lakemoor
Lakewood
Lanark
Lancaster
Lane
Lansing
Latham
Laura Lawndale
Lawrenceville
Le Roy
Leaf River
Lebanon
Lee
Lee Center
Leland
Leland Grove
Lemont
Lena
Lenzburg
Leonore
Lerna
Lewistown
Lexington
Liberty
Libertyville
Lima
Lincoln
Lincoln`s New Salem
Lincolnshire
Lincolnwood
Lindenhurst
Lindenwood
Lisle
Litchfield
Literberry
Little York
Littleton
Liverpool
Livingston
Loami
Lockport
Loda
Logan
Lomax
Lombard
London Mills
Long Creek
Long Grove
Long Lake
Long Point
Longview
Loogootee
Loraine
Lostant
Louisville
Lovejoy
Loves Park
Lovington
Lowder
Lowpoint
Ludlow
Lyndon
Lynn Center
Lynwood
Lyons
Macedonia
Machesney Park
Mackinaw
Macomb
Macon
Madison
Maeystown
Magnolia
Mahomet
Makanda
Malden
Malta
Manchester
Manhattan
Manito
Manlius
Mansfield
Manteno
Maple Park
Mapleton
Maquon
Marengo
Marietta
Marine
Marion
Marissa
Mark
Markham
Maroa
Marquette Heights
Marseilles
Marshall
Martinsville
Martinton
Maryville
Mascoutah
Mason
Mason City
Matherville
Matteson
Mattoon
Maunie
Maywood
Mazon
Mc Clure
Mc Connell
Mc Lean
Mc Nabb
McCook
McHenry
McLeansboro
Mechanicsburg
Media
Medinah
Medora
Melrose Park
Melvin
Menard
Mendon
Mendota
Meredosia
Merna
Merrionette Park
Metamora
Metcalf
Metropolis
Michael
Middletown
Midlothian
Milan
Milford
Mill Shoals
Millbrook
Millcreek
Milledgeville
Miller City
Millington
Millstadt
Milmine
Milton
Mineral
Minier
Minonk
Minooka
Mode
Modesto
Modoc
Mokena
Moline
Momence
Monee
Monmouth
Monroe Center
Montgomery
Monticello
Montrose
Mooseheart
Moro
Morris
Morrison
Morrisonville
Morton
Morton Grove
Mossville
Mound City
Mounds
Mount Auburn
Mount Carmel
Mount Carroll
Mount Erie
Mount Morris
Mount Olive
Mount Prospect
Mount Pulaski
Mount Sterling
Mount Vernon
Mount Zion
Moweaqua
Mozier
Mt Zion
Muddy
Mulberry Grove
Mulkeytown
Muncie
Mundelein
Murdock
Murphysboro
Murrayville
Nachusa
Naperville
Nashville
Nason
Nauvoo
Nebo
Nelson
Neoga
Neponset
New Athens
New Baden
New Bedford
New Berlin
New Boston
New Burnside
New Canton
New Douglas
New Haven
New Holland
New Lenox
New Memphis
New Milford
New Salem
New Windsor
Newark
Newman
Newton
Niantic
Niles
Nilwood
Niota
Noble
Nokomis
Nora
Normal
Norridge
Norris
Norris City
North Aurora
North Barrington
North Chicago
North Henderson
North Pekin
North Riverside
Northbrook
Northfield
Northlake
Oak Brook
Oak Forest
Oak Lawn
Oak Park
Oakbrook Terrace
Oakdale
Oakford
Oakland
Oakley
Oakwood
Oakwood Hills
Oblong
Oconee
Odell
Odin
O'Fallon
Ogden
Oglesby
Ohlman
Okawville
Olive Branch
Olmsted
Olney
Olympia Fields
Omaha
Onarga
Oneida
Opdyke
Opheim
Oquawka
Orangeville
Oraville
Oreana
Orient
Orion
Orland Hills
Orland Park
Osco
Oswego
Ottawa
Owaneco
Ozark
Padguay
Palatine
Palestine
Palmer
Palmyra
Paloma
Palos Heights
Palos Hills
Palos Park
Pana
Panama
Papineau
Paris
Park City
Park Forest
Park Ridge
Parkersburg
Patoka
Patterson
Pawnee
Pawpaw
Paxton
Payson
Pearl
Pearl City
Pecatonica
Pekin
Peneotoba
Penfield
Peoria
Peoria Heights
Peotone
Percy
Perks
Perry
Peru
Pesotum
Petersburg
Philo
Phoenix
Piasa
Pierron
Pinckneyville
Piper City
Pittsburg
Pittsfield
Plainfield
Plainville
Plano
Plato Center
Pleasant Hill
Pleasant Plains
Plymouth
Pocahontas
Polo
Pomona
Pontiac
Pontoon Beach
Poplar Grove
Port Byron
Posen
Potomac
Prairie City
Prairie du Rocher
Prairie Grove
Preemption
Princeton
Princeville
Prophetstown
Prospect Heights
Pulaski
Putnam
Quincy
Radom
Ramsey
Rankin
Ransom
Rantoul
Rapids City
Raritan
Raymond
Red Bud
Reddick
Redmon
Renault
Reynolds
Richmond
Richton Park
Richview
Ridgefarm
Ridgway
Ridott
Rinard
Ringwood
Rio
River Forest
River Grove
Riverdale
Riverside
Riverton
Riverwoods
Roanoke
Robbins
Roberts
Robinson
Rochelle
Rochester
Rock City
Rock Falls
Rock Island
Rockbridge
Rockdale
Rockford
Rockport
Rockton
Rockwood
Rolling Meadows
Rome
Romeoville
Roodhouse
Rosamond
Roscoe
Roselle
Rosemont
Roseville
Rosiclare
Rossville
Round Lake
Round Lake Beach
Round Lake Heights
Roxana
Royal
Royalton
Rushville
Russell
Rutland
Sadorus
Sailor Springs
Saint Anne
Saint Augustine
Saint Charles
Saint David
Saint Elmo
Saint Francisville
Saint Jacob
Saint Joseph
Saint Libory
Saint Peter
Sainte Marie
Salem
San Jose
Sandoval
Sandwich
Sauget
Sauk Village
Saunemin
Savanna
Savoy
Sawyerville
Saybrook
Scales Mound
Schaumburg
Scheller
Schiller Park
Sciota
Scioto Mills
Scottville
Seaton
Seatonville
Secor
Seneca
Serena
Sesser
Seward
Seymour
Shabbona
Shannon
Shattuc
Shawmberg
Shawneetown
Sheffield
Shelbyville
Sheldon
Sheridan
Sherman
Sherrard
Shiloh
Shipman
Shirland
Shirley
Shobonier
Shorewood
Shumway
Sibley
Sidell
Sidney
Sigel
Silvis
Simpson
Sims
Skokie
Sleepy Hollow
Smithboro
Smithfield
Smithshire
Smithton
Solon Mills
Somonauk
Sorento
South Beloit
South Chicago Heights
South Elgin
South Holland
South Pekin
South Roxana
South Wilmington
Southern View
Sparland
Sparta
Speer
Spring Grove
Spring Valley
Springerton
Springfield
St Charles
Standard
Standard City
Stanford
Staunton
Steeleville
Steger
Stelle
Sterling
Steward
Stewardson
Stickney
Stillman Valley
Stockland
Stockton
Stone Park
Stonefort
Stonington
Stoy
Strasburg
Strasburg
Strawn
Streamwood
Streator
Stronghurst
Sublette
Sugar Grove
Sullivan
Summerfield
Summit
Summit Argo
Sumner
Sunnyside
Sutter
Swansea
Sycamore
Table Grove
Tallula
Tamaroa
Tamms
Tampico
Taylor Ridge
Taylor Springs
Taylorville
Techny
Teutopolis
Texico
Thawville
Thayer
Thebes
Thomasboro
Thompsonville
Thomson
Thornton
Tilden
Tilton
Timewell
Tinley Park
Tiskilwa
Toledo
Tolono
Toluca
Tonica
Topeka
Toulon
Tovey
Towanda
Tower Hill
Tremont
Trenton
Trilla
Triumph
Trivoli
Troy
Troy Grove
Tunnel Hill
Tuscola
Ullin
Union
Union Hill
Unity
University Park
Urbana
Urbana-Champaign
Ursa
Utica
Valier
Valmeyer
Van Orin
Vandalia
Varna
Venetian Village
Venice
Vergennes
Vermilion
Vernon
Vernon Hills
Verona
Versailles
Victoria
Vienna
Villa Grove
Villa Park
Villa Ridge
Viola
Virden
Virgil
Volo
Wadsworth
Waggoner
Walnut
Walnut Hill
Walsh
Walshville
Waltonville
Wamac
Wapella
Warren
Warrensburg
Warrenville
Warsaw
Wasco
Washburn
Washington Park
Wataga
Waterloo
Waterman
Watseka
Watson
Wauconda
Waukegan
Waverly
Wayne
Wayne City
Waynesville
Wedron
Weldon
Wellington
Wenona
West Brooklyn
West Chicago
West Dundee
West Frankfort
West Liberty
West Peoria
West Point
West Salem
West Union
West York
Westchester
Western Springs
Westfield
Westmont
Westville
Wheaton
Wheeler
Wheeling
White Hall
White Heath
Whittington
Williamsfield
Williamsville
Willisville
Willow Hill
Willow Springs
Willowbrook
Wilmette
Wilmington
Wilsonville
Winchester
Windsor
Winfield
Winnebago
Winnetka
Winslow
Winthrop Harbor
Witt
Wolf Lake
Wonder Lake
Wood Dale
Wood River
Woodhull
Woodland
Woodlawn
Woodridge
Woodson
Woodstock
Woosung
Worden
Worth
Wrights
Wyanet
Xenia
Yale
Yates City
Yorkville
Zeigler
Zion

or... you can select a different state from the list below
to find Dental Plans in that state.

 

Traditional dental insurance is often perceived as the best way to pay for dental expenses. And while dental insurance is an excellent option when sponsored by your employer, it may not be very cost effective when you are paying for it.

Most individual dental insurance plans require you to satisfy waiting periods and deductibles before having major and sometimes even minor restorative work done. Discount dental plans help make maintaining good oral health a lot more affordable. And, with no waiting periods or complicated coverage procedures, dental discount plans are about as simple as you can get.

How do discount dental plans work? As we become aware about our oral health, there has been a demand for affordable dental care. Discount dental plans are the newest option for those without coverage. These dental discount plans are much cheaper than traditional dental insurance, and also offer almost equal coverage for all dental work, even cosmetic procedures not covered by standard indemnity dental plans.

The catch is that dental discount plans are not really insurance at all. They work more like club memberships, where the cost of membership (your "premium") earns a steep discount on any club service (dental work) you buy. The discount normally applies to all dental office services performed by an approved "plan" dentist, but no procedure is covered completely.

What are the ins and outs of discount dental plans? When it comes to dental discount plans, the good news is afford ability, breadth of services, and immediate coverage. The bad news is greater financial risk and responsibility on your part.

Although the monthly cost of most discount dental plans is very low compared to the price of a traditional dental insurance or indemnity insurance policy, there's more allover financial risk with a dental discount plan. No care is totally covered, so an expensive procedure will mean a big out-of-pocket expense, even with the dental plan. And even when undergoing a low-cost service (like cleaning), you'll still be expected to pick up a part of the cost.

However, on the plus side, discount dental plans are effective immediately - so are many procedures you need now will be covered as soon as you buy the dental discount plan. Traditional indemnity and/or insurance dental plans usually impose a waiting period of between 6 and 18 months for any major procedure. The last "pro" is that all good dental discount plans should come with a money-back guarantee.

Indemnity Plans

This type of dental plan pays the dental office (dentist) on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses the dental office (dentist) for the services rendered. An insurance company usually pays between 50% - 80% of the dental office (dentist) fees for a covered procedures; the remaining 20% - 50% is paid by the client.

These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity plans also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules. Some typical features of these plans:

  • High deductibles before coverage begins (well-designed plans don't apply the deductible to preventive services)

  • Probationary periods on certain procedures that last up to a year

  • Annual dollar limit on benefits

  • Chose your own dentist

  • Your average monthly cost: $15 to $25

  • Companies selling these plans are regulated by state insurance departments.

Dental HMOs

These insurance plans, also known as "capitation plans," operate like their medical HMO cousins. This type of dental plan provides a comprehensive dental care to enrolled patients through designated provider office (dentist). A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. The dentist is paid on a per capita (per person) basis rather than for actual treatment provided.

Participating dentists receive a fixes monthly fee based on the number of patients assigned to the office. In addition to premiums, client co-payments may be required for each visit. Some typical features of these plans:

  • Monthly premiums (some require you to prepay a year's worth)

  • Co-payments for office visits

  • Free preventive or routine care

  • You must select from an approved network of dentists

  • May have an initial enrollment fee

  • Annual dollar cap

  • Your average monthly cost: $5 to $15

  • Companies selling these plans are regulated by state insurance departments.

Preferred Provider Organizations

Another true insurance plan, a Preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined panel of dentists. The participating dentist agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser.

If the patient chooses to see a dentist who is not designated as a "preferred provider," that patient may be required to pay a greater share of the fee-for-service.  A group of dentists agrees to provide services at a deeply discounted rate, giving you substantial savings — as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:

  • Monthly premiums

  • Annual dollar cap

  • You must stay within the approved network of dentists or pay higher deductibles and co-payments

  • Your average monthly cost: $20-25

  • Companies selling these plans are regulated by state insurance departments.

Dental Discount

This type of dental plan is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 70%) off the regular ADA pricing code.

This plan has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive immediate coverage for work without meeting any waiting period requirements.

Direct Reimbursement Plans

A dental care plan now coming into vogue is the direct reimbursement plan. This is a self-funded benefit plan — not insurance — in which an employer pays for dental care with its own funds, rather than paying premiums to an insurance company or third-party administrator.

You, the patient, pay the full amount directly to the dentist, then get a receipt detailing services rendered and the cost, which you show to your employer. The employer reimburses you for part or all of the dental costs, depending on your specific benefits.

Your company might reimburse 100 percent of your first $100 of dental expenses and then 80 percent of the next $500, and 50 percent of the next $2,000, with a total annual maximum benefit of $1,500. Or it might reimburse only 50 percent of your first $1,000, resulting in a $500 yearly cap.

Some typical features of a direct reimbursement plan:

  • Neither you nor your employer pay monthly premiums

  • Freedom to choose any dentist

  • Typical employer cost: depends on the number of employees and benefit caps

  • Benefits usually capped at $500 to $2,000 annually.

Dental care is quite different than medical care. Major illness can strike at any time and the costs can be enormous. Most dental disease is preventable and treatment is predictable. Regular checkups and professional cleaning can help maintain your oral health and so dental benefits are written to encourage patients to seek preventative care in order to prevent more serious dental problems.

What do you look for in choosing a plan?

Does the plan give you the freedom to choose your own dentist or are you restricted to a panel of dentists selected by the insurance company? If you have a family dentist with whom you are satisfied, consider the effects changing dentists will have on the quality or quantity of care you receive. Because regular visits to the dentist reduce the likelihood of developing serious dental disease, it's best to have and maintain an established relationship with a dentist you trust

Who controls treatment decisions--you and your dentist or the dental plan? Many plans require dentists to follow treatment plans that rely on a Least Expensive Alternative Treatment (LEAT) approach. If there are multiple treatment options for a specific condition, the plan will pay for the less expensive treatment option.

If you choose a treatment option that may better suit your individual needs and your long-term oral health, you will be responsible for paying the difference in costs. It's important to know who makes the treatment decisions under your plan. These cost control measures may have an impact on the quality of care you'll receive.

Does the plan cover diagnostic, preventive and emergency services? If so, to what extent? Most dental plans provide coverage for selected diagnostic services, preventive care and emergency treatment that are basic for maintaining good oral health.

But the extent or frequency of the services covered by some plans may be limited. Depending upon your individual oral health needs, you may be required to pay the dentist directly for a portion of this basic care. Find out how much treatment is allowed in any given year without cost to you, and how much you will have to pay for yourself.

  • Initial Oral Examination----once per dentist

  • Recall Examinations----twice per year

  • Complete x-ray survey----once every three years

  • Cavity-detecting bite-wing x-rays----once per year

  • Prophylaxis or teeth cleaning----twice per year

  • Topical Fluoride treatment----twice per year

  • Sealants----for those under age 18

What routine corrective treatment is covered by the dental plan? What share of the costs will be yours? While preventive care lessens the risk of serious dental disease, additional treatment may be required to ensure optimal health. A broad range of treatment can be defined as routine. Most plans cover 70 percent to 80 percent of such treatment. Patients are responsible for the remaining costs. Examples of routine care include:

  • Restorative care - amalgam and composite resin fillings and stainless steel crowns on primary teeth

  • Endodontics - treatment of root canals and removal of tooth nerves

  • Oral Surgery - tooth removal (not including bony impaction) and minor surgical procedures such as tissue biopsy and drainage of minor oral infections.

  • Periodontics - treatment of uncomplicated periodontal disease including scaling, root planning and management of acute infections or lesions

  • Prosthodontics--repair and/or relining or reseating of existing dentures and bridges.

What major dental care is covered by the plan? What percentage of these costs will you be required to pay? Since dental benefits encourage you to get preventive care, which often eliminates the need for major dental work, most plans are not generous when it comes to paying for major dental work, most plans cover less than 50 percent of the cost of major treatment.

Most plans limit the benefits--both in number of procedures and dollar amount--that are covered in a given year. Be aware of these restrictions when choosing your plan and as you and your dentist develop treatment best suited for you. Major dental care includes:

  • Restorative care--gold restorations and individual crowns

  • Oral Surgery--removal of impacted teeth and complex oral surgery procedures.

  • Periodontics--treatment of complicated periodontal disease requiring surgery involving bones, underlying tissues or bone grafts.

  • Orthodontics--treatment including retainers, braces and/or diagnostic materials.

  • Dental Implants--either surgical placement or restoration

  • Prosthodontics--fixed bridges, partial dentures and removable or fixed dentures.

Will the plan allow referrals to specialists? Will my dentist and I be able to choose the specialist? Some plans limit referrals to specialists. Your dentist may be required to refer you to a limited selection of specialists who have contracted with the plan's third party. You also may be required to get permission from the plan administrator before being referred to a specialist. If you choose a plan with these limitations, make sure qualified specialists are available in your area. Look for a plan with a broad selection of different types of specialists.

If you have children, you may prefer a plan that allows a pediatric dentist to be your child's primary care dentist. Since specialized treatment is generally more costly than routine care, some plans discourage the use of specialists. While many general practitioners are qualified to perform some specialized services, complex procedures often require the skills of a dentist with special training. Discuss the options with your dentist before deciding who is best qualified to deliver treatment.

Can you see the dentist when you need to, and schedule appointment times convenient for you? Dentists participating in closed panel or capitation plans may have select hours to see plan patients. They may schedule appointments for these patients on given days, or at specified hours of the day, restricting your access.

Some dentist's fees for seeing you on weekends or during emergencies are high than those the plan allows. You may be required to pay additional costs yourself. If you select these types of plans, have a clear understanding of your dentist's policies as well as the plan's dentist-to-patient ratio. It's the best way to ensure your access to care is not unduly restricted and that you are not surprised by higher fees the plan does not cover.

Insurance companies do their best to ensure that their policyholders understand their plans and benefits, but it is up to an individual to make sure that they are making informed choices. The differences in the various plans you can choose from are:

  • The type of third party funding the plan.

  • Methods of selecting a dentist.

  • Compensation of the dentist's services to you.

  • The calculations of benefits and payments.

Understanding these differences will enable you to make an informed decision when selecting a dental plan that is best for you or your family.
 

Members can save on all dental charges and procedures including dental restorative cosmetic work (fillings, dental crowns, dental braces, dental implant's) and dental product related items, etc.), dental hygiene services, preventative work (teeth cleaning, x-rays, etc).  General dentistry, dental hygienist, dental assistant, dental assisting and all specialties where available are covered.

 DENTAL INSURANCE, DENTAL PLANS, VISION & PRESCRIPTION COVERAGE
Thank you for choosing InsuranceCompany.com®
 we look forward to serving you and your family...

InsuranceCompany.com is a registered trademark
Copyright 1997-2010. Del Amo. All rights reserved.

 

This is not an attempt to describe the  product coverage and its' contents but merely used as a sales tool for the purpose of product illustration. The website and its' owners cannot make recommendations as to whether any illustrated product may meet the users' particular needs. Therefore, the suitability of the product is the final determination of the user of this website. The use of this website is acceptance of the sites' privacy statement. Coverage is not in effect until an application is signed, transmitted, payment received and approved by the underwriting company unless otherwise specifically stated. A physical and/or background inspection may be done to verify the information provided. The quote(s) will be based up on the underwriting information you supplied and the quote(s) is/are subject to change upon inspection and review by the underwriting company. The underwriting company reserves the right to determine the final coverage, premium and acceptability  If you have any questions regarding the information collected, please contact the agency. All quotes are provided by DEL AMO Insurance Services, Inc,. DBA:  InsComp Insurance Services and/or one of it's affiliated agents, brokers, agencies, brokerages, and/or companies  Lic: 0B93601  Agent David Blunt, Lic: 0638553. Commercial use by others is prohibited by law. No portion of any news or information from this website may be photocopied, faxed, mailed, distributed, transmitted, published, broadcasted, duplicated, or re-distributed in any manner for any purpose without prior written authorization of its' owner. 

Dental plan rating software provided by