Dentalplans.com Review : Is the most affordable dental insurance?

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OVERVIEW

In today’s world, oral health is often overlooked despite its crucial impact on overall well-being. Regular dental visits and proper dental care are not only vital for maintaining a radiant smile, but they also play a significant role in preventing more serious health issues.

The cost of dental care can be a concern for many, prompting individuals and families to seek reliable dental insurance options. Among the plethora of choices, DentalPlans.com has emerged as a prominent player in the realm of dental insurance. This article aims to provide an in-depth understanding of DentalPlans.com and explore how it can meet your dental insurance needs.

DentalPlans.com is an alternative to traditional dental insurance. The Florida-based company offers alternative coverage options for people , families, businesses, and groups. With over 100,000 dentists participating in their plans, they’re a viable, budget-friendly option for dental insurance.

I choose DentalPlans.com together of our top picks for dental coverage.DentalPlans.com is a solid choice when you’re considering a dental savings plan because of their extensive network of participating dentists that cover nearly all 50 states, low membership fees, high rate of savings and top-notch customer service.

Most dental insurance plans have low deductibles and reasonable monthly rates, but even have downsides like a $1,000 to $1,500 yearly limit on covered dental work and waiting periods of up to 12 months before any major procedures are approved.

If you can’t await costly dental treatments, a DentalPlans.com plan comes with a giant network of over 100,000 dental service providers with savings from 10 to 60 percent.

All of this comes with no waiting period and low annual fees that range from $100 to $200, depending on your location and therefore the number of individuals you’re covering.

What is DentalPlans.com?

Established in 1999, DentalPlans.com is an online marketplace that links consumers with various dental discount plans and alternatives to traditional dental insurance.

DentalPlans.com offers a unique approach to managing dental expenses, combining the convenience of online access with a variety of dental discount plans.

The affordability, immediate access to care, and broad network of providers set it apart from traditional insurance options. However, it is crucial to weigh these advantages against the limitations of coverage, potential membership fees, and the nature of the discounts offered.

When considering dental care options, individuals and families should evaluate their dental health needs, financial situation, and preferences in care thoroughly.

Their platform simplifies the dental care shopping experience by allowing users to compare different plans based on coverage, cost, and participating dentists. Rather than offering full insurance policies, DentalPlans.com provides access to discount plans that help individuals save on out-of-pocket expenses for dental services.

The Concept of Dental Discount Plans

Dental discount plans, also known as dental savings plans, operate differently than traditional dental insurance. Instead of paying premiums in exchange for coverage, members pay an annual fee to access pre-negotiated discounts on dental services.

This model is particularly appealing as it often results in lower costs and fewer restrictions compared to conventional insurance plans.

When members utilize these discount plans, they receive a percentage off the cost of various dental treatments from participating providers. For many individuals and families, this approach can significantly reduce the financial burden of dental care, making it more accessible.

How does dental insurance works?

DentalPlans.com boasts an intuitive interface that allows users to easily navigate and select dental plans tailored to their specific needs. Users can input their location and preferences to access a comprehensive list of dental discount plans available in their area. The platform provides detailed information about each plan, including pricing, coverage details, and participating dentists.

Dental insurance plans are aimed at reducing the cost of dental care. Providers often negotiate lower rates with dentists within the network, and payment ( “cover”) a percentage of the reduced rate.You pay the rest of your pocket. Here’s how the savings break down:

Preventive: dental insurance plans usually cover 100% of the cost of preventive care, including annual checkups, bitewing x-rays, and routine cleanings.

Basic: Most insurance plans cover 80% of the cost of “basic services” without complications, such as fillings, simple extractions and some deep cleaning.

Major: The dental normally covers 50% of treatments such as root canals, crowns, bridges and dentures safe.

Simple truth? Yes, but also it has a factor in waiting periods, annual maximums copays, and oral health needs.

Affordability and Savings

One of the most attractive features of DentalPlans.com is the affordability of the discount plans available. Membership fees can be significantly lower than traditional insurance premiums, often resulting in immediate savings on dental services. Users can expect to save anywhere from 10% to 60% on average dental procedures, depending on the plan and provider.

For example, a typical cleaning that costs $100 may only cost members $50 after applying the discount through their chosen plan. This price reduction can lead to substantial savings, especially for households that require routine dental care.

Benefits of Using DentalPlans.com

Accessibility to Quality Dental Care

DentalPlans.com prioritizes access to high-quality dental care for individuals and families. With a nationwide network of dentists, members have ample options to select from, ensuring they find a provider who meets their needs and standards. The platform’s extensive database simplifies the search for nearby participating providers, reducing barriers to dental care.

No Waiting Periods

Unlike many traditional dental insurance plans, which often impose waiting periods for certain procedures, discount plans through DentalPlans.com typically have no waiting periods for most treatments. This allows members to seek dental care as soon as they register, promoting proactive oral health management.

Flexibility and Transparency

From selecting a provider to understanding the costs associated with treatments, DentalPlans.com offers a level of flexibility and transparency that consumers often appreciate. Members can choose when and where to receive care, without the constraints often tied to traditional insurance plans.

Family-Friendly Options

With the option to purchase family plans, DentalPlans.com makes it easier for families to manage their dental expenses collectively. This approach fosters a more manageable financial strategy for maintaining family oral health.

Other things to consider when searching for dental insurance.

Look at a plan’s annual spending maximum, the type of insurance plan, waiting period and what procedures the plan covers as well as how that coverage aligns with your dental care needs.

 

Does Dental Insurance Cover?

Replacement of missing teeth?


Dental insurance plan may not cover the cost for some treatments, no matter how long you wait – like replacing your missing tooth or teeth before buying a policy that is already underway. Look for the “missing teeth” clause (yes, that is what is usually called) when you are reviewing the details of the plan.

Cosmetic treatments?


Most dental insurance plans do not cover elective procedures such as teeth whitening or porcelain coating.

Dentures?


Usually, there is no, because there is a cheaper way to recover the missing tooth. But some plans, such as Cigna Premium, do cover dental implants.

Braces?


Some dental insurance plans do. But check out the annual limit lifetime coverage for orthodontics and ask your dentist / dentist for a cost estimate. You may be able to save more money on braces with dental savings plans.

DentalPlans.com average monthly premiums

Dental plans offered average anywhere from $20 a month to $50 a month for a policy covering a personal. Family policies or policies covering multiple people would be higher in cost.

The price and therefore the coverage will vary depending upon the state during which the policy is issued. This is where a web site, like DentalPlans.com can save you time and money.DentalPlans.com doesn’t sell insurance, and it doesn’t offer a dental plan.

What it offers is a chance to review plans available in your location and compare the price and coverage of every one to pick a dental plan that’s best for your needs and budget.

While there’s no charge to use DentalPlans.com to compare plans, if you select a plan using the site, you’ll pay a $15 one-time processing fee to have them handle setting you up with the particular plan.

Using them to set you up with a plan comes with three free months of coverage through whichever plan you decide on .

DentalPlans.com estimated average annual savings

DentalPlans.com offer savings to their customers by negotiating reduced rates for several of the foremost common services that people attend a dentist.

Depending upon the plan an individual chooses, savings can range from 10 percent a year to 60 percent or more on services, like examinations and X-rays, cleanings, fillings, extractions, root canals, crowns and more.

The dental plans offer lists of the local dentists participating in the plan for a specific area.

DentalPlans.com Dental Savings Plans

DentalPlans.com gives you choices with over 30 dental savings plans and online plan comparisons and savings calculator tools to assist you to select the most effective choice to help pay for dental services. While the company has members of all ages, the majority are from the age of 55 to over 65.

The web site is simple to use, and once you register, you’ll print your dental plan card and see at a look what various procedures will cost.

DentalPlans.com features a lot of online resources to assist you to learn about all of their products, otherwise you can call the U.S.-based: DP At Your Service customer support team with questions.

Either way, you’ll receive information about Medicare, Medicaid, private dental insurance coverage, and therefore the benefits you’ll expect from the Affordable Care Act (ACA).

DentalPlans.com Plans and Costs

I compared the number of plans offered and therefore the average cost from several different cities known for access to excellent health care.

counting on whether you’re buying for yourself or for your family, where you live and which plan you choose, the prices for DentalPlans.com’s offerings are low compared to traditional insurance.

 
DentalPlans.com
Average Cost of Dental Savings Plans and Number of Plans Offered
City Individual
Plans
Avg.
Annual Cost
Family
Plans
Avg.
Annual Cost
Minneapolis, MN 20 $63.96 – $143.96 20 $103.96 – $239.96
Madison, WI 15 $99.96 – $159.96 15 $143.96 – $239.96
Overland Park, KS 19 $63.96 – $159.96 19 $103.96 – $239.96
Raleigh, NC 20 $63.96 – $159.96 20 $103.96 – $239.96
San Francisco, CA 4 $124.95 – $154.95 4 $179.95 – $199.95
Honolulu, HI 20 $63.96 – $159.96 20 $143.96 – $239.96
Scottsdale, AZ 23 $63.96 – $159.96 23 $103.96 – $239.96
Salt Lake City, UT 18 $63.96 – $143.96 18 $103.96 – $239.96
Orlando, FL 21 $63.96 – $159.96 21 $103.96 – $239.96
Lincoln, NE 18 $63.96 – $159.96 18 $103.96 – $239.96

How to use dental savings plans DentalPlans.com

Using a dental savings plan from DentalPlans.com involves paying one annual fee to gain access to a network of dentists who charge reduced fees for services to plan members. There are not any surprises with dental costs because the rates are predetermined, so you know the value related to your care in advance.

The savings range from 10 to 60 percent off dentist’s customary fees across the U.S.To choose a plan on DentalPlans.com, click on Find a plan, then narrow your search by dentists in your area, savings, procedures or select a business plan.

Alternatively, you’ll enter your postcode on the location to get a listing of plans or participating dentists. Compare plans and make your selection, pay the annual fee, and within 72 hours your plan are going to be activated.Once activated, you’ll use your dental savings plan for even complex procedures, and there’s no waiting period.

DentalPlans.com savings

When I tried the dental plan search on DentalPlans.com, I received options that cost from $79.99 to $199.99 per annum for an individual and $129.99 to $299.99 for a family. The list included a dental insurance policy with a monthly rate.

Unlike the dental savings plans, the insurance didn’t cover X-rays for 6 months from the date of purchase, and therefore the wait was 12 months for oral surgery, periodontics, endodontics, crown and cast restorations, and other procedures.

 
DentalPlans.com
Sample Dental Plans and Savings
Plan Savings Included
Health Discounts
Aetna Vital Dental Savings℠ Plus Rx 15% to 50% Pharmacy, vision, hearing
Affordable Family Health Services 25% to 60% Pharmacy, vision, chiropractic
American Dental Plan 10% to 60% Dental only
Aon Dental Solutions Plan 15% to 50% Dental only
Avia Dental Plan 20% to 70% Pharmacy and vision
Careington Care 500 Series 20% to 60% Pharmacy and vision
CIGNAPlus Savings 15% to 50% Vision, hearing, chiropractic,
tobacco cessation, massage therapy
and more
CVS iSave 15% to 50% Pharmacy, vision, hearing,
prepaid diagnostic imaging,
labs and more
Dental Care Advantage 20% to 60% Pharmacy, vision, hearing, chiropractic
:DP CompleteCare 15% to 50% Online medical consultations,
Personal Health Advocate and more
:DP SmartHealth 20% to 50% Pharmacy, vision, hearing, emergency
medical travel assistance and more
Patriot Plan Plus 10% to 50% Pharmacy, vision, hearing, chiropractic
Preferred Network Access by CIGNA 10% to 60% Dental only

 

The combination of savings dental plan with DentalPlans.com insurance

If you’ve got dental insurance, you’ll be able to work along with your dentist to use benefits from both your insurance and a dental savings plan.

While you can’t use a dental savings plan and submit an insured claim for a similar procedure, a dental savings plan may be used to reduce your out-of-pocket costs once you’ve got reached your deductible.Dental insurance typically features a maximum annual coverage of $750 to $2,000; then the insured pays 100% of dental bills.

Using a dental savings plan with dental insurance will likely save you quite an little bit of money, especially if you’ve got a family or expect extensive dental procedures.

DentalPlans.com Reviews

The reviews and ratings for DentalPlans.com are mostly positive. Personal finance author, financial adviser and television host Suze Orman personally recommends DentalPlans.com.

The better Business Bureau rates the company with an A+ while TrustPilot ranks them an 8.3 out of 10 based on nearly 5,000 customer reviews.

ConsumerAffairs rates DentalPlans.com a 4.3 out of 5 stars.Of the few complaints we saw, most were about the customer’s preferred dentist not accepting dental plan cards.

DentalPlans.com Dental Insurance: Pros and Cons

In today’s healthcare landscape, access to dental care is essential for maintaining overall health and well-being. With dental expenses climbing steadily over the years, many individuals and families are increasingly looking for ways to manage these costs effectively.

One such solution is the utilization of dental insurance plans, and DentalPlans.com is a popular provider in this domain. However, like any other service, choosing a dental insurance plan has its advantages and disadvantages. In this article, we will explore the pros and cons of DentalPlans.com dental insurance to help you make an informed decision.

Pros of DentalPlans.com Dental Insurance

1. Affordability

One of the most appealing aspects of DentalPlans.com is the affordability it offers. Unlike traditional dental insurance, which often comes with high premiums, many of the plans available through this platform require lower monthly payments. Additionally, many plans do not have waiting periods, which can be a significant advantage for those needing immediate dental care.

2. Wide Selection of Plans

With numerous plans available from different providers, DentalPlans.com allows users to choose coverage that suits their specific needs. This flexibility can be especially beneficial for individuals with unique dental health requirements or those looking to access specific networks of dentists.

3. Discounts on a Variety of Services

Dental discount plans typically offer reductions on a wide range of services. From preventative care, like cleanings and x-rays, to restorative treatment, such as fillings and crowns, members can expect to receive lower rates compared to out-of-pocket payments. The potential for savings can be considerable, especially for families with multiple members seeking dental care.

4. No Waiting Periods

Many traditional dental insurance plans impose waiting periods for certain services, particularly for major procedures. However, most plans offered through DentalPlans.com do not have such requirements, allowing subscribers to access care as soon as they enroll. This can be a critical factor for individuals in urgent need of dental treatment.

5. Access to a Large Network of Dentists

DentalPlans.com boasts a vast network of dental care providers, allowing members to choose from numerous qualified practitioners. This network can provide users with greater access to quality dental care, ensuring they can find a dentist who meets their needs.

6. No Pre-existing Condition Exclusions

Unlike some traditional insurance plans, which may deny coverage for pre-existing dental issues, many plans offered through DentalPlans.com cover these circumstances without exclusions. This inclusivity can be a significant advantage for individuals with ongoing dental concerns.

Cons of DentalPlans.com Dental Insurance

1. Limited Coverage

While dental discount plans can provide discounts, it is essential to note that they do not constitute insurance in the conventional sense. This means that services may not be fully covered, and consumers are still responsible for a portion of the payment. While discounts can be significant, they may still leave members with unexpected out-of-pocket costs.

2. Lack of Comprehensive Coverage

Dental discount plans typically focus on specific services and procedures. As a result, members may find that coverage for certain treatments, particularly cosmetic procedures or advanced restorative work, may be limited or absent altogether. Those requiring extensive dental work may need to consider additional funding options.

Getting Started with DentalPlans.com

To begin using DentalPlans.com, potential members should follow these steps:

  1. Visit the Website: Access the DentalPlans.com homepage to explore available plans.
  2. Enter Location and Preferences: Input your zip code and preferences to find suitable dental discount plans in your area.
  3. Compare Plans: Review the details of each plan, including coverage, pricing, and network dentists.
  4. Select a Plan: Once you find a suitable option, follow the prompts to register and secure your membership.
  5. Start Saving: After registration, you can immediately access the discounts and begin saving on dental services.

FINAL FINDING

DentalPlans.com is a viable alternative to traditional dental insurance, but it works better if it’s taken as an extra plan once you go over the limit of your insurance.

Because the dentist list that accepts this kind of plan isn’t regularly updated, you’ll need to check before enrolling otherwise you could risk your $20 enrollment fee.

Once you discover a dentist who is participating, you’ll get a 10th – 60% discount on a procedure, but this does differ for every dentist office, so confirm to see first.

Even if you’ve got excellent dental insurance, the probabilities are better than average that there’ll be some procedures in your future that your policy won’t cover.

Not only will a dental savings plan from DentalPlans.com help with those costs, but it’ll also offer you the flexibility to have more dental work done in one year.

Maxing out your annual limit with dental insurance not means you can’t have dental work done until subsequent calendar year.

FAQ


Basic, preventive, restorative, orthodontics, cosmetic, dentures/implants and oral surgery are all generally discounted to some extent. the level of savings depends on your plan.


No. Unlike traditional dental insurance, there’s no yearly limit on how much of a discount you’ll get.

  • How do the payments work with dental savings plans?


Once you’ve got purchased your plan from DentalPlans.com, you pay the dentist directly at your appointment, but the fees are at a discounted rate.


When choosing a dental savings plan, there are a couple of considerations to make sure you’ll get the very best value out of your membership.

look into the number of dental providers in your area, whether your current dentist is in-network, annual membership cost and whether you’d utilize any additional health savings offered by some of the plans.


You can visit DentalPlans.com and, under the “Look up Dentists in Your Area” page, type in your dentist’s name, postcode and dentist code (if you know it).

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