Go Through All Of Our Dental Health Insurance Plans And Get Quoted Today. The Most Affordable Dental Insurance Plans On The Marketplace. Supplemental Dental Insurance Is Also Provided.
Most Affordable Dental Insurance Plans On The Marketplace. Get Dental Health Insurance Today. Supplemental Dental Insurance Available
Under the HMO option, plan buyers typically can expect the lowest of the insurance plan premiums, no annual maximums paid by the carrier and usually no deductibles. The trade-off? The policyholder is restricted to dentists within a network.
HMO policyholders can expect a schedule of co-payments for individual dental services or office visits, making it easy for policyholders to predict their out-of-pocket costs.
Under the PPO option, premiums are higher and there is usually annual maximums – between $500 and $1,500 – that the carrier will pay for serviceing. The policyholder is again advised to use a network of providers, but can pay more to go out of network.
PPO policyholders can expect to see the amount paid by their carrier represented as a percentage of the procedure cost. Typical plans pay 100 percent of preventative services.
Understanding Supplemental Dental Insurance
Supplemental dental insurance is a separate plan that enhances your current dental coverage. An individual or family that needs coverage for a particular procedure not covered by their dental plan may choose to purchase supplemental dental insurance to help manage costs. This is available through ezHealthMart’s dental application below.
Discount dental plans
Discount dental plans are an affordable and easy-to-use alternative to dental insurance. Plan members have access to a large network of participating dentists that have agreed to offer their services at discounted fees. Dental savings plans work like a club membership; you pay an annual fee and receive savings on dental services throughout the course of your membership. There are no paperwork hassles, claims to file, or pre-existing condition restrictions. You are paying for access to a network of dentists who offer reduced fees for a variety of procedures to plan members.
Discount Dental Plan Characteristics
Discount dental plans are an affordable, easy-to-use and hassle-free solution for anyone looking for dental care savings. Below is a comparison guide between discount dental plans and dental insurance to help you make an informed decision.
DISCOUNT DENTAL PLAN Characteristics Include:
- · No annual limits – plan members enjoy discounts on most dental care services all year long
- · Most plans activate within 3 business days
- · No tiresome paperwork hassles – plan members simply present their membership card at a participating dentist office for discounts on most dental services
- · No health restrictions – there is no need to wait for comprehensive dental treatment plans
- · Select plans include discounts on dental specialties, including cosmetic dentistry and orthodontics
- · Consumers pay affordable membership fees for access to a network of dentists offering discounts on most dental procedures
- · Available directly to individuals, families, businesses and groups
DENTAL INSURANCE Characteristics Include:
- · Limitations, deductibles and annual maximums
- · Waiting periods for major dental procedures
- · Tedious and time-consuming written claims process
- · Limitations/exclusions on pre-existing conditions
- · Certain dental specialties, such as cosmetic dentistry, are rarely covered
- · Consumers pay expensive monthly premiums for defined coverage
- · Typically inaccessible to individuals and families unless provided by their employer
Even if you already have dental insurance, the discounts offered by our discount dental plans may be used along with your dental insurance for even more savings on your dental care. Please consult with a participating dentist or dental care specialist before beginning treatment.
Will my premium cost more if I have pre existing conditions
No. Unlike dental insurance, dental savings plans enable people with pre-existing conditions to get affordable dental care.
When can I start using my plan
Your discount dental plan can be utilized the day of activation. Just show the participating dental provider your Member ID Card and they will honor the discounted rate according to the fee schedule of your plan.
Fee schedules are a list of set charges for various medical/dental procedures. Procedures are associated with a code (dentists use a “Dental Procedure” code, also known as an American Dental Association/ADA) CDT code. A fee schedule is primarily used for insurance reimbursement billing, and the ADA CDT code helps to identify the exact procedure/s in your treatment plan.
Is there a maximum to my savings
No, there are no maximums to limit your savings with dental savings plans.
Is a dental plan better than dental insurance?
We recommend getting a dental plan over the dental insurance since the plans are effective the day of activation.
What is supplemental dental insurance
Supplemental dental insurance is a separate plan that enhances your current dental coverage. An individual or family that needs coverage for a particular procedure not covered by their dental plan may choose to purchase supplemental dental insurance to help manage costs.
What do we offer
With the plans we offer, you save 15% – 60% on dental work. Your exact savings depends on the plan you have and the work being done.
What is ezHealthMart
ezHealthMart enables you to see a full fee schedule even before you become a member of a plan.
Below is a pricing chart for dental plans we offer. Cost of membership is based on how many members you include in your plan. (Monthly plans are also available.)
|Dental Plan Membership|
|1 member||$99.00 / year|
|2 members||$149.00 / year|
|3+ members||$179.00 / year|
|One-time $20 non-refundable processing fee
applied to initial payment
Satisfactory dental plan
We are very confident that you will be satisfied with your dental plan membership. However, in the event that you are not satisfied, we offer the following refund policy:
You can cancel in 30 days and receive a full refund, less your processing fee.