How dental insurance works
When selecting a dental insurance plan, it is important to be aware of the various features that may apply to your care. These features may include a deductible, co-pay, co-insurance, and a maximum annual benefit. A deductible is the amount you are required to pay out-of-pocket before your insurance kicks in. A co-pay is a set dollar amount your dental insurance carrier requires you to pay for certain services and procedures. Co-insurance is the percentage of your dental care you are responsible for after you have met your deductible. The maximum annual benefit is the maximum amount your insurance pays out for each person on your policy during the calendar year.
There are four main plan types offered through Progressive Health by eHealth, each with varying degrees of choice and out-of-pocket cost. A DPPO plan allows you to visit most dentists, though in-network dentists are less expensive. Co-pays are required for procedures, with the amount varying depending on the service. An HMO plan requires you to select a primary care dentist, and you can only visit in-network dentists. Co-pays are often not required, but you may be responsible for a deductible. An indemnity plan allows you to visit any dentist, and you are typically responsible for a percentage of the cost. Lastly, a discount plan allows you to visit any dentist, but you are responsible for the full cost of the services in a given year.
Health Maintenance Organization (HMO) plans require you to select a primary care dentist and only visit in-network dentists. You are typically not required to pay a co-pay, but you may be responsible for a deductible.
Indemnity plans allow you to visit any dentist, and you are typically responsible for a percentage of the cost.
Discount plans allow you to visit any dentist, but you are responsible for the full cost of the services. However, the plan will provide discounted rates for services and procedures.
What is the Cost of Dental Insurance?
The cost of dental insurance plans can vary depending on geographical location, type of plan, and the amount of coverage provided. eHealth offers a diverse selection of dental insurance plans to meet the needs of individuals and families. With a variety of plans to choose from, individuals can find the right plan to fit their budget and provide the necessary coverage. To get a quote for dental insurance and find the best plan for you, visit eHealth today.
When can you buy Individual Health Insurance plans?
- During annual Open Enrollment (November 1-January 15, in most states). This applies to new customers, and to current customers who want to renew or make changes to their existing plan.
- During the Special Enrollment Period (January 16-October 31) you can shop for a plan. If you’ve had a qualifying life event, you may be eligible to get a plan during this time. Life events could include marriage, new child, recent move, and more.
Dental Discount Plans: Another Option
Dental discount plans require a monthly fee, similar to that of a premium. This fee grants individuals access to discounted services provided by various dentists in the local area. It is important to note that dental discount plans are distinct from dental insurance plans. However, if one is able to find a dental discount plan with no waiting period, they can have immediate access to a variety of services at reduced prices.
Discovering the Right Dental Insurance Plan with No Waiting Period for Your Needs
Health Plan Advocates can provide assistance in finding the best dental insurance plan that meets your specific needs and budget. Our experienced agents can help you compare the available plans in your area and provide you with affordable dental insurance options that have no waiting period. Don’t hesitate to get started on your search for the ideal dental insurance plan; contact Health Plan Advocates today for more information.