Dental Insurance Overview
Why Have Dental Insurance?
Discount or Referral Plans
Traditional and Indemnity Insurance
Capitation Dental Plans (DHMO's)
What Does My Plan Cover?
Preferred and Exclusive Providers
Get the Most out of Your Insurance
Choosing a Plan
Where Can I get Insurance?
 
Dental Insurance Overview

Help! I Know Nothing

Trying to figure out what dental insurance, if any, your family needs can be a consumer’s nightmare. You not only have to decide what you need to be covered for but where you will purchase it from and what your policy actually covers. Many people already have dental insurance through their employer. Often they have no idea what it offers or anything about it except the fact that they have it.

You may even be wondering why you need dental insurance. We take a look at the reasons why and help you decide if a good dental plan is the right thing for your family.

Types of Insurance

Actually figuring it all out is not quite as complicated as it seems. The first step is knowing the type of policy you have. There are several major types of dental insurance. We take a look at each one and explain it, so you know exactly what services they can provide for you. Or if your company has already decided on what it will use, you know what to expect in procedures and policies.
The major types of insurance are:

  • Tradition/Indemnity
  • Discount Dental Plans ( not really insurance but can be a good option)
  • Managed Care Dental Insurance which includes:
    1. Capitation Dental Plan, or Dental HMO (DHMO)
    2. Preferred Provider Organizational plan or PPO
    3. Exclusive Provider Organization

Understanding how your dental plan is set up is the first major step in knowing what you want for your family.

Choosing a Carrier

Choosing an insurance company can be a tough decision. Especially with all the too-good-to-be-true offers floating around. Keep in mind if it sounds like to good a deal, it probably is. Compare prices, ask what you are getting for your money and research the company’s background. Ask your friends, family and even your dentist who they recommend. You want an insurance provider that cares about your family and their needs. Their bottom line should be your concerns not the bottom dollar. This website covers three main groups of insurance carriers. These are the people that provide the financial basis for your dental insurance.

Buying a Policy

Once you know what type of policy you want, and are looking into who you want to provide your insurance the next step is the insurance policy itself. We have provided some thought provoking questions for you to ask about services, payment and coverage. This will not only help you choose a policy, but get the most out of it once you decide. We have also provided a list of what basics that every dental insurance plan should cover.


Buying dental insurance can be a breeze if you do your research.

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