Dental Insurance for Individuals,
Families and Businesses

My dentist told me to find a PPO dental plan. So far, I have had no luck. Do you have PPO's?

Yes we do have PPO dental plans for individuals, families and businesses. But, keep in mind that you want to have a PPO dental plan with your dentist as listed network provider. Otherwise, they can charge you more than the PPO negotiated/discounted rate and you will have to pay the difference.

We also have what I would call a hybrid plan that has a PPO dental network but pays fixed amounts for different procedures.

This is a very effective way of obtaining dental insurance. You get the advantages of PPO repricing but the flexibility to go out of network if you need to.

Can I get a plan just for my children?

Yes, but there is a very limited selection. The rate for more than one child is not that much different than a plan for the entire family.

Do any of your plans cover orthodontia?

The discount plans will provide a discount for orthodontia. Some of the PPO, HMO and indemnity plans will provide partial coverage. But, you will be paying most of the bill. No adult orthodontia.

When you say 'discount plan", exactly what is the discount?

Discount plans use a schedule of benefits that show numerous dental procedures and then an amount that you will pay for that procedure. It is not a flat discount like 50%. Some procedures are more heavily discounted than others. The discounts vary from plan to plan. These plans offer a lot of value for very low cost.

What is an indemnity plan? I find this type of plan very confusing. Is it also a PPO plan?

Indemnity dental plans can be very confusing. Let me give you the short answer to the question and then refer you to a brief article we have written that will give you a few illustrations.

An indemnity plan pays you or your dentist a fixed amount for each dental procedure, up to a maximum amount per year. Some of these plan also have PPO-like networks. If your dentist is in the network, you are entitled to the discounted, network rate for services. Regardless, the scheduled amount will be paid. So, you can go to essentially any dentist you want.

An indemnity plan with a good network is often the best type of plan to buy. Your actual out of pocket costs can be less than with a PPO dental plan.

Indemnity dental insurance plans, click here now

Are all of your plans available in all states?

No, the plans available will vary by state. When you go to our quoting page, you will see a list of state specific as well as national plans.

Are there waiting periods before the plan benefits kick in?

Discount plans have no waiting period at all. From the company's point of view, they are not physically paying claims, so they don't care.

On PPO dental plan has no wait for most procedures. There is a 6 month wait for crowns and dentures.

Indemnity plans do have a wait for major work of 6 to 12 months depending on the plan.

Dental HMO plans often cover all procedures with no waiting period and no coverage limits. You must find a provider in the network. If you need immediate coverage, this could be a great option.

I have a business. Do you have group dental plans?

We have traditional group dental plans in certain states (depending on what your group size is). Generally, you must have a mimimum of two full time employees (not 1099 contractors). Take a look at our Group Dental Insurance page for more information.

What happens if I cannot find my dentist in your network?

There are a lot of dentists take no insurance at all. We have plans were you can go to any dentist you want. Also, read our article entitled "What to Do When Your Dentist Will Not Accept Your Insurance".

Can we just call you and have you figure this all out?

Yes, I will help you. But I prefer you spend 10 minutes to read the information on the web site and then, if you have questions, by all means give us a call. That way, we can intelligently discuss the options and I can help you find the answers you are looking for. Believe me, this is not rocket science.

Which dental plan do you personally have?

Our family has a discount dental plan and is very happy with it. Its is inexpensive, I found a great dentist in my area who takes it and the discounted rates save me a bundle. However, I am presently considering an indemnity plan or group PPO plan for more coverage.