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Permanent renewable dental coverage is meant to provide protection over the long term; enroll as early as possible or at least one year before major dental expenses are likely to be needed.
Dental insurance is only effective as a long term financial strategy. Individual consumers tend to shop for dental insurance immediately before scheduling a major dental treatment. This is not an effective financial strategy because the insurance is designed to prevent incurrence of major claims shortly after the start of coverage. Benefits increase over time to encourage members to keep the insurance in force permanently.
Coverage is typically divided into four categories:
Each category may be subject to its own coverage rules including deductible and co-payment details. The overall maximum coverage benefit per person is typically limited to $1,000 to $2,000 per year.
Dental insurance uses a defined benefit schedule so that the benefits that can be paid to any dentist. There is no need to use a network provider but your cost may be lower when using a network provider. It is up to each dentist to decide whether they accept payment directly from the insurance company or if you must submit the claim and pay the provider. Premium cost averages about $35 per month for single coverage and about $65 per month for family coverage.
The most popular dental insurance for individuals and families is Core Dental Insurance insured by Ameritas Group and administered by SASID. This is the only dental insurance offered to individuals and families that does not require a waiting period before coverage is available for major dental services. This plan is available in most areas in the U.S. and is one of the few that does not include a waiting period to access benefits.
The next most popular dental insurance plans at Freedom Benefits Secure Dental One insured by Stanard Security Life Insurance Company. Pricing and enrollment are handled online. Policies are issued immediately and benefit packages are mailed within a few days.
Dental discount plans or dental savings plans are not insurance but offer a viable alternative to dental insurance and typically offer a higher dollar benefit (in terms of savings) in relation to the cost of enrollment in these plans. In many cases dental savings plans offer more "bang for the buck" in terms of cost savings in proportion to expense of the product offered.
See Careington Savings Plans - the nation's leader in discount dental plans - for more information on a wide range of dental, vision, telemedicine and other non-insurance plans.
This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.