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Online Dental Insurance

Online Dental InsuranceCan you buy online dental insurance? After all, you can now buy online auto insurance from companies like esurance, that have no physical offices around the country, so why not online dental insurance?

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The bottom line is that you can’t buy online dental insurance at this time. This may be something that’s coming in the future, especially with more and more people becoming comfortable making major purchases online.

For the time being, however, you can only purchase dental discount plans online, which are a bit different from dental insurance.

What many people get confused about is the difference between dental insurance and dental plans. It is possible that the creators of discount plans deliberately call them dental plans rather than discount services so that consumers will believe that they are actually buying online dental insurance. Regardless, there are some benefits to dental plans that you need to consider if you are in the market for dental insurance.

For example, dental plans don’t have a maximum benefit amount but dental insurance does. This is one of the major reasons that some people will choose a dental plan over actual dental insurance. Others combine to two because most dentists will accept both to provide their patients with a deeper discount.

The cost of these two types of dental coverage are similar depending on where you live and how many people you want to receive coverage. In addition, if you choose well known companies, both for your dental insurance or your dental plan, you will find that there are a lot of dentist to choose from. Both will also allow you to look on their websites so that you can view a list of the dentists in your area that provide are under the plan you choose.

One of the biggest differences between dental insurance and a dental discount plan is that dental insurance coves your preventative work at no additional cost to you. With a dental plan, you get a discount on these services, and sometimes the discounts are very good, but they aren’t free.

Only you can decide which of these options are best for you. Doing an online dental insurance and online dental plan search will help you make an informed choice about your options. Keep reading here to learn a bit more about what to look for from a dental insurance company and how to find the best deals on your dental insurance.

Online Dental Insurance Information

You will find pretty much all of the information that you need about a dental insurance company online. Here we will discuss some of the things that you should expect from your dental insurance company in order to make it a valuable service for you.

Plan options – There is no single plan that is right for everyone. That is why any dental insurance company that you choose should offer more than one type of insurance.

At the very least, you should have the option of non-scheduled dental insurance, which is really an indemnity plan, and scheduled dental plans. You may also have the option of choosing managed care plans; however, this option may not be as important to you.

Non-scheduled dental insurance is a fee for service coverage. Basically, this means that the insurance company pays a percentage of every service that you receive. The best dental insurance companies pay 100% for preventive care and 50% to 80% of non-preventative care.

When looking online for a dental insurance company, you need to look for the insurance company’s fee chart. This is a chart that shows how much of each type of service the insurance company will pay. In addition, they will list what is considered reasonable fees for each type of service.

A good insurance company will update those fees annually, ensuring that their fees are congruent with what dentists are charging for their services. If you are concerned about whether or not the insurance company you are considering is allowing enough for each type of service, then you can visit sites like Cost Helper, which shows the average range of cost for each type of dental service.

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Online Dental Insurance: Scheduled and Managed Care Plans

A scheduled service dental plan is a plan where the insurance company simply lists how much they will pay for any type of service. Again, they should cover preventative care, but they don’t cover percentages of the cost of your service.

For example, they might only pay $250 for a crown, which means that you have to pay for the rest out of pocket. In this case, having a discount plan to combine with your dental insurance might save you quite a lot of money.
Every insurance company is different, but the more they are willing to pay for a service, the more expensive it will be. Regardless, the average cost for dental insurance in the US is $144 to $600 annually for an individual and $300 to $1200 annually for a family according to the National Association of Dental Plans.

Discount dental plans have virtually the same range for individual plans. Family plans are a bit hard to pinpoint because, unlike insurance which counts six people the same way they would three people, as a family; discount plans charge per person.

Managed care plans are similar to scheduled dental plans as they determine how much they will pay for each service that you receive. However, they negotiate with dental offices to agree to those prices rather than requiring you to simply pay the difference out of pocket.

Online Dental Insurance Comparison

Much like any other type of insurance you want, you can find free quote tools that allow you to compare the rates of each insurance company. However, you also need to compare the services that they offer. The good news is that once you narrow down your company choices, you can quickly look at their websites to see what they are offering in terms of overall coverage. Here are a few things to look at:

  • Coverage limits
  • Services that fall under preventative, non-preventative and cosmetic categories
  • Per visit deductible costs
  • Table of allowance (refers to the total amount the company will pay for each type of service)

You will also want to take the time to compare your dental insurance with a dental plan so that you can ensure that you are getting the most value for your money. Many people use both dental discount and insurance plans together.

Online Dental Insurance Quotes

As mentioned above, there is a wide range for the cost of dental insurance both for individuals and families. In order to determine who has the best prices, you are going to need to use a quote tool so that you can compare the prices directly with each other.

When you use a quote tool, they offer you an “apples to apples: comparison. You still need to do your due diligence to ensure that you are choosing a company with everything that you specifically need.

Get your online dental insurance quotes right now and compare dental insurance companies!

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