Affordable Family Dental Insurance Plans

Affordable family dental insurance plans are designed to ensure that you and your family receive quality dental care when you need it. You should not have to worry about the costs, because the dental insurance you selected should cover a major portion of the treatment and dental fees. But when looking to save on costs, should you simply choose the dental coverage with the lowest premium, you may find yourself without sufficient coverage when you need it.

For the most part, low dental insurance premiums may mean bare minimum coverage, as well as a lower annual spending limit. This may leave you left with paying a higher out of pocket fees for many dental treatments and procedures that are excluded under your plan. Some plans contain policies that may only cover one or two tooth fillings. In order to ensure that you are locating those affordable family dental insurance plans which meet your needs, consider a few points:

• Flexible Treatment Options: Does your dental insurance plan allow for you and your dental provider to choose the best treatment plan option? Are you limited to choosing the Least Expensive Alternative Treatment (LEAT) which results in a higher out of pocket expense for you and your family?
• Flexibility in Choosing a Dentist: Are you allowed to freely choose a dentist or is your family dental insurance plan considered a closed panel plan? A closed panel dental insurance plan is a plan that allows patients to choose only from a limited number of dentists who have contracted with the dental insurance company. The third party contracts with a certain percentage of dentists within a particular geographic area. If the affordable family dental insurance plan that you are considering is a closed panel plan, make certain to look for a plan that your family dentist has a contract with.
• Amount of Services Covered under the Plan: Does your affordable family dental insurance plan cover diagnostic, preventive and emergency services? Be certain to review the extent of dental coverage being provided. Is the dental coverage being offered adequate for you and your family's current and future dental needs? Think about long term dental goals. Are orthodontic braces or dentures in your future? If you need more than the basic services provided by your plan consider paying a little more in premiums to get these types of procedures included in your plan.
• What routine procedures are covered under the affordable family dental insurance plan? Some examples of routine care covered under most affordable family dental insurance plans are dental fillings for cavities, porcelain fused to metal (PFM) crowns on primary teeth, root canal therapy, tooth extractions, drainage of minor oral infections such as dental abscesses, periodontal scaling, fixed and partial dentures and fixed dental bridges. Please bear in mind that these procedures are only partially covered, and you will be expected to pay out of pocket expenses towards the full cost.

On the other hand, there are some routine dental procedures that are usually paid in full by your affordable family dental insurance plan. If not covered fully, the co-payment or out of pocket expense is usually very minimum. They include such procedures as:

The Initial Comprehensive Examination - the first time visit to a dentist that includes a full set of dental x-rays

Recall Examination or Annual Checkups - limited to twice a year at 6 month intervals

Full set of Dental Radiographs limited to one every three years

A dental bite wing x-ray to diagnose a dental cavity during a routine exam or as an emergency visit

Prophylaxis Cleaning - teeth cleaning performed as part of your preventive care hygiene maintenance program. Limited to twice a year at 6 month intervals

Topical Fluoride Treatments - performed as part of your preventive care hygiene maintenance program. Limited to twice a year at 6 month intervals

Dental Sealants - There is usually no cost for this type of dental treatment for patients age 18 and under

Dental patients should refer to their specific dental coverage plan for further information on these procedures and others.



• Dental Specialist - Does your affordable family dental insurance plan allow for specialty consultations if you should need it? Are appointments readily available? Some affordable family dental insurance plans restrict the hours that you can make appointments with you dentist. Other dentists charge extra to treat you outside of these hours. Review your dental plan to ensure that it does not make unreasonable demands and gives you the proper dental treatment when you and your family need it. Remember, getting the most and making the best of your affordable family dental insurance plan is a power that is completely within your control.
• Multiple Coverage Plans: If you are covered by:
1) two dental insurance plans,
2) two dental and health insurance plans or
3) a single dental and a health insurance plan


inform each insurance provider accordingly. This will ensure that you receive the full benefits from both plans and are covered for dental related treatments that may not be covered by one of the providers.

Did you know that even if you already have affordable family dental insurance, you can combine dental insurance with a discount dental plan and further maximize your savings?

Discount dental plans are not considered dental insurance. With discount dental plans, there are no claim forms to submit, no arguments about pre-existing conditions, no deductibles to meet, no limits on the amount paid or the number of times the plan is used. In fact, the low dental fees encourage patients to get preventive care such as routine cleanings and examinations. This results in the better oral health care for everyone, decreasing the number of the more costly, major dental procedures that would result without it.

A dental discount plan is inexpensive. It's easy to find a dental discount plan under $15 per month that provides routine dental services for less than half the traditionally listed fees - and often much less - for services provided by dentists within the network. By paying a flat fee once a year, you are enrolled as a member and have access to use any dentist in the network. Discounted fees have been negotiated and established by the company administering the network. Paperwork for the patient is minimal and the patient receives the same type of service as someone paying full price.

Dental and Health Plan Resources

Dental Plans

A dental plan is an ideal safety net which allows many individuals without dental insurance to receive necessary dental care and to keep dental costs under control. A dental plan is truly a wise investment that can meet the needs of you and your family members. And if you are already covered under an employer's dental insurance program, supplementing it with a dental plan, can help you to save even further. If you are looking for affordable dental plans, you will find the very best deals with the sources below. Don't waste your time searching endlessly to locate a plan that meets both your treatment and budgetary needs. These sites attempt to make the process of finding and choosing the best plan, simply and conveniently.

• DentalPlans.com - DentalPlans.com has been an industry leader providing individuals, families and groups affordable and comprehensive discount dental plans. They feature an extensive network of over 100,000 dentists in more than 30 national and regional dental plan programs. Participating dental specialists, including orthodontists, oral surgeons, periodontists, endodontists and pediatric dentists, are included in many of their plans. They can help you find a general dentist or specialist in your area before you decide to purchase a plan, through the use of their dentist search tool below. They also provide a very easy-to-use plan comparison chart for you to compare the savings and features of each discount dental plan in your area to further help you decide on the best plan that is best for you. Simply click the button below, then enter your ZIP to begin.


• Avia Dental Plans - are available to families, individuals and groups of any size. Avia offers one of the lowest dental fee schedules in the country and they provide a discount Prescription and Vision Care Plan at no additional cost to their members. Learn more about Avia Dental Plans.

Dental Insurance

In addition to dental plans, there are a large variety of dental insurance plans which makes the process of purchasing dental insurance quite simple. It’s easy to get a dental insurance quote to help you with your selection. The following agencies offer this type of service:

• eHealth Insurance - For a specified monthly premium, eHealth Insurance offers dental benefits, which usually include regular checkups, cleanings, x-rays, and other services required to promote general dental health. Some plans offered through EHealth Insurance provide broader coverage than others and some will require you pay a larger fee when services are provided. Some plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia. Get a free quote now!
• Dental Insurance.com - Simply the Best. These three words sum up the DentalInsurance.com commitment. They offer individuals and families the easiest way to compare and purchase affordable, quality dental insurance and discount protection. Get a free Dental Insurance Quote now!

Health Plans

There are many individuals who do not have health coverage. Those who do have it often get it through their employer. If you have no coverage, or depending upon the type of medical coverage you have, it may be a good idea to look at additional programs to eliminate any gaps. This will help to save you money while allowing you to receive any necessary preventive care you may require.

• eHealth Insurance - eHealthInsurance presents complex health insurance information in an objective, user-friendly format, enabling the research, analysis, comparison and purchase of health insurance products that best meet consumers' needs. eHealthInsurance has developed partnerships with more than 180 health insurance companies, offering more than 10,000 health insurance products online.
• InsureMe - With inflation knocking on the door of many homes and household budgets stretched tight as a drum, many of today's families are suffering the unhealthy effects of high rates and premiums. But with the help of InsureMe, life doesn't have to be that way. In fact, saving money on health insurance has never been easier. All it takes is a few minutes, a little information and some wise comparison shopping to get affordable coverage and protection. Shop and Compare multiple Health Insurance Quotes here
• USInsurance - Going without health insurance should not be an option. This is why US Insurance.com have put together a free tool for consumers find some of the best possible rates and coverage for peace of mind in case of unexpected health issues. We compiled the finest group of the highest-rated insurance providers around - to protect the things in life that are the most dear to you. These insurance companies want to compete for your business, which means you'll be better able to negotiate a good price for coverage. US Insurance helps you find the protection you need by helping you to understanding the different types of products available. Learn what to look for when comparing insurers, and how to get the best deal. It's the smart way to shop for and buy health insurance. Get Competitive Health Insurance Quotes Now & Save

Monthly Premium Plans

These plans are similar to the plans listed above in addition to two main things: they offer health coverage and offer the convenience of monthly payments. Many individuals tend to join because of the low monthly premium rate. For the self-employed individual, these types of plans may charge a slightly higher premium, because the policy only insures a single individual or family, but the plans can also help to offset charges associated with such things as dental work.

• eHealth Insurance

Dental and Health Search Tools

The following companies offer affordable health and dental insurance search tools allowing you to compare prices from leading insurance companies and choose a dental plan that's right for you:

• Avia Dental Plans
• DentalInsurance.com
• DentalPlans.com
• eHealth Insurance
• InsureMe
• USInsurance.com

To save money on dental costs, you should consider using a dental plan. Register today and gain access to all of the dentists in the dental plan's network. Enjoy the flexibility of visiting any dentist - anyplace, anytime. You can read more about dental discount plans, then decide.

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