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Affordable dental care with no waiting 2024
Need dental care now? PPO dental insurance plans typically have waiting periods for a major dental procedure, while dental savings plans and most dental HMO plans do not. Compare plan types and find your perfect no-wait plan today.
Discover the best dental plans and dental insurance in your area today.
Which plan is right for you?
At DentalPlans.com, we offer PPO dental insurance and dental savings plans (also known as a discount dental plan). We’ll help you find the savings solution that fits your unique needs and budget. Here’s what to know about the various dental plan options:
Types of dental plans
Dental Health Maintenance Organization
(Dental HMO)
Low premium payments, no annual spending limit, no waiting periods. You must use in-network dentists.
Dental Preferred Provider Organization
(Dental PPO)
Higher premiums than Dental HMO, does have waiting periods and an annual spending limit of $1,000-$1,500. You can choose in-network or out-of-network dentists/specialists (you’ll pay more for out-of-network).
Dental Savings Plans
(DSPs)
Insurance alternative that provides reduced rates on virtually all dental services and procedures with no annual limits. Low annual membership fee, quick activation, no health restrictions. Visit any in-network dentist.
Find a dental plan that’s right for you.
Answer a few quick questions to get the best dental insurance or dental savings plan recommendation in minutes.
Tips for purchasing dental insurance
Dental insurance typically offers ”100-80-50″ coverage, meaning the coverage levels vary depending on the type of dental treatment. The plan pays 100% of the cost of routine preventive care such as checkups and cleanings, 80% of the cost of basic services such as fillings or root canals, and 50% of the cost of a major dental procedure such as crowns and bridges, until you meet your spending limit (Dental PPO plans only).
- Dental insurance often will not pay to fix teeth that were missing before you purchased the policy, or work that was started prior to the policy going into effect.
- Check to see if the covered services are the ones that matter to you. Some dental insurance plans only include preventive care.
- Review the plan to see if there are limitations or exclusions that matter to you.
- Dental insurance typically does not pay for a cosmetic dental services like overlays, teeth whitening or dental implants. (Dental implants are considered a cosmetic procedure.)
Dental savings plans vs dental insurance?
For fast access to reduced rates for virtually all your dental care needs, dental savings plans may be the right option for you. Plan members report saving an average of 50%* on their dental care. Over 70% of U.S. dentists accept a discount dental plan/dental savings plans.
*Discount Health Program consumer & provider surveys indicate average savings of 50%. Savings may vary by provider, location, and plan.
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