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A low-cost option that can save you money on most dental procedures.
Dental plans are the least expensive way to get help with your dental expenses. They are essentially a discount network where the dentists who participate in the plan have agreed to only charge you the discounted rate. Do not dismiss these plans. If you find a dentist in the network you like, these can be very cost effective. Excellent plans can be found for as little as $8.35 a month. There are some big name networks like Aetna and Cigna available.
Combines PPO insurance with a Discount Dental Plan for Major Work. A great balance of cost and benefits.
A hybrid dental insurance plan is a mix of PPO insurance combined with a very aggressive discount plan. It uses PPO coverage for cleanings, fillings and simple extractions. Then it uses a deep discount schedule for other major procedures. It has unlimited coverage and no waiting periods for any dental work. These plans are particularly cost-effective for larger families.
Full PPO dental insurance with copays and huge Delta Dental Network. This is as good as it gets in dental insurance. Better than most group dental plan.
This is traditional PPO dental insurance that uses the Delta dental PPO network. There are no waiting period before you can use the plans full benefits, including major work. There are low copays and it will pay out more than most other plans. You can also use some of the unused allowance the next year. Up to $6,000 a year in coverage per person.
Dental plans are the least expensive way to get help with your dental expenses. If you find a dentist in the network you like, these can be very cost effective.
A hybrid dental insurance plan is a mix of PPO insurance combined with a very aggressive discount plan.
This is traditional PPO dental insurance that uses the Delta dental PPO network. There are no waiting period before you can use the plans full benefits, including major work.
Why You Need Dental Insurance
The best dental insurance you can get is a visit to the dentist at least twice a year. If you don’t, then little inexpensive problems become big expensive problems that can cost you thousands of dollars.
However, most people are reluctant to go to the dentist until they have a toothache. Or they are afraid of what it might cost.
This is a real dilemma. You absolutely need to go because the longer you wait the higher the chance is of needing something expensive. But, you are afraid that any visit will become expensive so you never make an appointment.
That is why you buy dental insurance or a dental plan. Even a plan costing a little over $8 a month can make your visits more affordable.
When you use a dental plan or insurance, there is always a network attached to it. The network has a special schedule of prices for all of the dental procedures. This means that you are entitled to this special discounted pricing. Without it, a dentist can literally charge you anything thing they want. Each network and plan has its own price schedule and some provide very deep discounts off of what I would call the retail rate.
Unlike many other forms of insurance, if you are smart, you will use your plan every year. You will get cleanings, x-rays and an exam at the very least. Many years you will need crowns, root canals, and other expensive procedures. Having this type of insurance will make you more inclined to take care of your teeth. Dental health problems can lead to other serious health issues. It is something you just cannot ignore.
The plans we offer will include all of the covered procedures as soon as the plan becomes active. You do not have to wait a year or more before a root canal or crown is covered. Many plans that claim immediate coverage limit you to 25% in the first year. With our plans you get full coverage as soon as the plan is effective.
With a PPO plan you can use any dentist you want. Or use one of the network dentists for extra savings. We use the Delta dental network on the PPO plan (a huge network of dentists nationwide) and Maximum Care (another large network) on the Hybrid PPO. Our dental plans have a number of different networks depending on which plan you choose.
How to Choose a Dental Plan
There are three factors you need to keep in mind when selecting dental coverage.
Cost is always a big factor. If you cannot afford the plan, you are going to drop it and when you need it, well you know the rest of the story. It is very aggravating to pay for a plan for months, drop it and then find yourself in the dentist chair needing two thousands worth of work.
A plan does not have to be expensive to save you a lot of money. Even a low-cost dental plan can cut your dental bill by 30% or more.
This brings us to cost versus coverage.
There is a business term called cost – benefit. It means that if you are going to spend more money for a plan you want to be sure that the additional benefit is worth it. We chose the plans we offer based on this principle.
The Hybrid PPO plan is a balance of cost and benefit. You get a regular PPO dental insurance plan for preventative and basic procedures. But for major work it is discount only. The difference with this plan is that the network they use is a major national network with a considerable number of dentists to choose from. You will find dentists who are not in the discount plans. Also, the discounts for major work are significant and often much deeper than other discount plans.
But, if you have a history of dental problems. For example, if a dentist says “we will keep an eye on that tooth and in the future we will need to put in a crown or you will need an implant”, maybe you will be looking at an expensive run of dental work.
It seems like every year either my wife, or I (or both of us) am having something expensive done. I give my dental insurance a good workout.
In cases like this you should consider a full Dental PPO insurance plan. Ours is unique since unlike all other non-group dental plan, there is no wait for full coverage on major dental codes. Plus, it uses the Delta PPO Network which is a large nationwide group of dentists.