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dental insurance

Why Get A Dental Insurance?

In as little as 5 minutes, a dental expert can save you hundreds or thousands of dollars a year with a quote. We are experts in finding affordable dental plans that meet your needs and budget. We have dental insurance with different coverage levels and low cost premiums to take care of you or your family. Getting a dental quote doesn’t have to be complicated. We make it simple by connecting you with a dental insurance expert you can trust.

What Are Dental Savings Plans?

A dental savings plan functions a lot like a membership at a warehouse club. You pay an annual fee and get access to significantly reduced rates. And dental savings plans offer many benefits over traditional dental insurance. Things like no annual caps or limits and absolutely no paperwork. Choose from 30+ different plans from the healthcare brands you already know and trust like Cigna, Aetna and more. We have affordable dental plans to fit any need and budget. And, depending on the plan you choose, you'll save 10% to 60% on your next visit. Our plans cover more than 100,000 dentists nationwide. These quality providers have agreed to charge reduced fees on the dental services you need. So you’ll get the quality care you deserve at a bigger savings than you ever imagined possible.

dental insurance

Make the BEST Choice Today!

Protect you and your family from unforeseen expenses with a dental insurance plan that you can afford. We have the best dental plans available to meet every coverage level and budget. Our dental insurance experts will go over all the options with you. Don’t forget to ask us about Vision and Prescription savings too!

Some Dental Insurance Providers we work with

Dental Insurance!

Get a dental insurance plan at a great value from the same company you already trust for your medical coverage. You can enroll year-round. No need to wait for open enrollment period.

We offer adult dental plans in most states.

Adult dental plans

  • Enroll adults 19 and older in a dental insurance plan anytime.
  • Choose from a large network of dental providers in U.S.A, including a wide network of generalists and specialists.
  • Preventive dental care is covered.
  • More than 200 dental procedures are covered.
  • Negotiated rates mean you can save hundreds of dollars on dental procedures compared to the uninsured rates.

Pediatric dental insurance plan highlights

  • Get a jumpstart on a lifetime of good oral health with a plan that encourages overall dental wellness with preventive care visits.
  • Most common dental procedures are covered.
  • Get additional peace of mind with coverage for major services, such as crowns, overlays, and medically necessary orthodontia.

Which Dental Insurance Plan Should I Pick?

Of course, there are advantages and disadvantages to both types of dental  plans. The main differences come down to affordability, flexibility, and network size:

  • Affordability. In terms of cost, a DHMO plan is probably the best option. If you’re on a low income, the lack of deductibles and annual maximum limits is a big selling point. While dental insurance PPOs do offer reduced rates, they’re nowhere near as low as they are for DHMOs.
 
  • Flexibility. If you want a specialist treatment and you’re on a DHMO plan, you’ll need to get a referral from your primary dentist. This isn’t a problem for PPO plans, which are much more lenient.
 
  • Network size. With a DHMO, you’re limited when it comes to the dentists that you’re able to receive coverage from. PPO dental insurance plans have many more providers, making them an overwhelmingly better option, while they also give you the opportunity to go outside of the network for reduced rates. In addition, many dentists simply won’t accept DHMOs plans due to their relatively low reimbursement rates

Dental Insurance PPO

A PPO (Preferred Provider Organization) is a type of dental plan which allows you to receive treatment from a network of dentists, while you can also get coverage from dentists who are outside of the network, albeit at a lower rate. If you’re on a PPO dental insurance plan, you’ll only have to pay a percentage of the normal cost of the dental procedure. The amount of the cost that your plan covers depends on the actual procedure, with diagnostic and preventative services receiving greater coverage than major dental services. In addition, a PPO dental insurance plan requires you to pay a deductible (the amount that you have to pay before the policy kicks in), while they also have a maximum amount that you are allowed to claim on an annual basis.

Dental Insurance DHMO

A DHMO plan (Dental Health Maintenance Organization) requires you to choose from a small network of dentists. Often, you’ll only be able to pick one primary dentist or facility from which to receive care. These dental insurance plans are much more affordable than PPOs because the providers offer heavily discounted rates, plus you don’t have to deal with any deductibles or maximums. Instead, you just pay one fixed amount (known as a co-payment) for any service. In addition, diagnostic and preventative services have no co-payments, so you don’t have to pay anything at all. However, there are some drawbacks to DHMO dental insurance plans, the most important of which being that if you choose to visit a dentist who is outside of the network, you’ll probably have to pay the entire bill yourself. This ends up really limiting your options.

"I called, I spoke with an agent, and he matched me with a Dental Insurance plan that was right in my budget"
Katerina Chang
“My family & I were looking for Dental Coverage after I lost my job. I spoke with a representative which offered me multiple choices, and at affordable prices. Thanks so much"
Laura Dugan

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