Compare dental plans by weighing up the pros and cons of each one. Pay close attention to the cost of each plan, the benefits provided and the providers who accept each plan.
Some discount dental plans and fee schedules are helpful, but others are not, notes Policy Genius. The difference has to do with the amount of dental care a patient is likely to need and the quality of the plan itself. Discount dental plan quality varies widely.
An individual chooses the best dental plan by determining which services are included, how much out-of-pocket expense he's willing to pay, and how much flexibility a specific type of plan offers, according to About.com. To narrow down options, the person can visit a dentist to determine his current
Delta Dental, Renaissance Dental and Guardian are the highest ranked dental insurance providers, according to the Consumers Advocacy Group. Delta Dental and Renaissance Dental have ratings of 10 out 10, and Guardian has a rating of nine out of 10, as of 2015.
Compare dental insurance plans at DentalPlans, DentalInsurance.com and TopTenReviews. Each website features a database of various dental plans that differ by state, cost and coverage.
Among the top 10 dental insurance plans ranked by Consumers Advocate, as of 2015, are plans from Delta Dental, Guardian Dental, United Concordia Dental, Ameritas and Cigna Dental. Others include Metlife, Renaissance Dental, Aetna, Careington and Premera.
Delta Dental, Guardian, and Humana are some of the top-rated dental plans, as reviewed by sites such as Consumer Advocate and Top Ten Reviews. Delta Dental is rated the highest due to its low cost, lack of waiting period and variety of plans.
Dental payment plans are special payment arrangements that make it easier for people to pay for dental care. Instead of paying a large amount all at once, the patient makes installment payments until the balance is paid in full.
To apply for dental insurance, go to the dental coverage marketplace at HealthCare.gov, or visit a website that offers a wide range of private dental insurance plans. The federal marketplace has add-on and standalone dental plans, according to HealthCare.gov.
ToothWisdom.org provides a wealth of information about dental care and resources for senior citizens, including insurance and discount plans. The website also helps seniors find local resources, including low-cost and donated dental care.