Discount Dental Plans
At InsuranceBudget.com, there are several individual dental plans for you and your family to compare and choose from. See how easy it is to enjoy a quality dental plan while maintaining your budget.
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We feature a wide variety of plans, features and services that cover all dental needs from simple checkups to root canals and braces. Our elaborate database of dentists gives you the freedom to choose the dentist by either location or specialty.
When most people think about health insurance, they think first about covering costs of treatment for serious medical conditions or accidents. That's a natural thing to do. But there's another type of insurance that's equally important to your well being - dental insurance. Because dental disease is so common, being protected by dental insurance and using it wisely are essential safeguards for you and your family. Click for a free quote for family or individual dental insurance plans.
This type of plan pays the dentist on a traditional fee-for-service basis. A monthly premium is paid by the patient and/or the employer to an insurance carrier, which directly reimburses the dentist for the services provided. Insurance companies usually pay between 50 percent and 80 percent of the dentist's fee for covered services; the remaining 20 percent to 50 percent is paid by the patient. These plans often have a pre-determined deductible, a dollar amount which varies from plan to plan, that the patient must pay before the insurance carrier will begin paying for care. 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.
Dental Health Maintenance Organization (DHMO)
A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. This type of plan provides comprehensive dental care to enrolled patients through designated provider dentists. The dentist is paid on a per capita (per head) basis rather than for actual treatment provided. Participating dentists receive a fixed monthly fee based on the number of patients assigned to the office. In addition to premiums, patient co-payments may be required for each visit.
Preferred Provider Organization (PPO)
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.
Click for a free quote for family or individual dental insurance plans.