According to the Health Policy Institute, around 35.2% of adults between the age group of 19 and 64 don’t have any dental benefits and approximately 62% of adults over the age group of 65 doesn’t have coverage. The number of Americans who are grappling to cover their dental bills are gradually increasing.
The Americans spent a total of $1.6 billion on dental treatments in the year 2012 according to Pew Charitable Trusts. We all know that dental treatments can be incredibly expensive especially if you don’t own dental insurance. Dental Insurance is important and if you don’t have any dental plans so here we are going to mention some of the best dental plans. Dental insurance plans are a must today and we will tell you exactly why.
Now, before moving further, you must check out that how much does dental insurance costs and what are its benefits.
How much does dental insurance cost?
On an average, Americans pay about $360 a year, means between $15 and $50 for a month, for dental insurance. However, this cost may vary from state to state. Now, if we talk about dental plans, the majority of dental insurance plans comes with a maximum annual benefit or coverage limit. This limit falls between $1000 to $2000.
Further, these dental insurance plans cover 80% of basic treatment such as fillings and 50% of more complex procedures. Now, 80% to 50% of dental care sounds quite significant; however, it’s not that simple.
Top 3 Dental Insurance Plan Companies
Delta Dental is one of the most popular as well as the country’s best dental insurance company which recently won a gold award. They have access to over 145,000 dentists at more than 292,000 locations. Delta Dental offers many plans which can cover you from different levels of dental problems.
It is being used by more than 60 million Americans and awarded number one dental insurance company. They work with a network of the dentist which offers lower costs against any dental problems. All the dentist in the Delta Dental Network is not allowed to charge even a single penny after you pay you agreed co-payment.
Guardian Life Insurance Company is one of the leading provider of life as well as health insurance. The Guardian Dental was founded in 1860 and is headquartered in New York. What’s interesting about Guardian Dental is it provides 100% coverage on preventative and basic services, and it offers 0% coverage on primary and orthodontic care.
However, if you have a premium plan, you still receive 50% coverage on major and orthodontic services as well. The Guardian Dental offers flexible plans and coverage you want to pay for your dental care. We can also suggest you with some of the most sought after San Francisco dental offices which can help you through sorting your dental insurance plans.
Humana is one of the biggest providers of dental insurance in the United States. Based on Louisville, Kentucky and they provide plans in all 50 states, including Puerto Rico and the District of Columbia.
Humana has a wide range of different types of coverage as well as packages from where you can select a plan which is best for you. They do offer the most of the dentist from their networks; however, if you want to go to the dentist outside from the Humana networks and willing to pay higher fees than you can do so.
How to Signup for Dental Insurance Plan?
Here we have mentioned a brief guide which will help you to signup for a Dental Insurance Plan.
Step 1: Pick up your Plan
Initially, you have to pick up a dental plan which meets all your requirements and help you to cure any dental cause.
Step 2: Create an Account
For creating an account, you have to provide your personal information to the Dental Insurance Plan company. These details include your First Name, Last Name, and Contact number.
Step 3: Creating your User Name & Password
Choose a username and password, and enter your email address on this page. You may also be asked to select the challenge question and answer, in case you forgot your password.
You can also ask for the e-statements of your claims.
Step 4: Billing Information
The billing information includes your billing address your City, State as well as your ZIP Code. Once you have added all the necessary information, you can pay your bill with a Credit card, Paypal and from many more sources.
Step 5: Activate your Plan
Once you have paid your bill, you have to activate your Dental Insurance Plan. Choose which dental plan helps you the most and enable it in few seconds.
Step 6: Print your Card
Print your Card which you have to carry while going to visit for dental care. These cards include details about your plan and your enroll id number. Basically, it includes your personal information and dental insurance plans.
Congratulations! You have signup successfully for the dental insurance plan.
So what do you think is a dental insurance plan worth it?
Well! It depends on your dental health and the plan which you’re going to choose. Undoubtedly, Dental Insurance is important for everyone, and we would definitely recommend you to have one. Whether it is an implant surgery, a major dental operation or something minor as bleaching teeth, dental insurance can makes things a lot easier and convenient for you.
These dental care insurance plans help cover the high cost against any dental cause. However, chances are you still have to pay out some money from your pocket. The best thing which dental insurance can offer is a safe return(s) in case you end up needing these extensive procedures.
Tell us which dental insurance plan you are using and whether you are satisfied with it or not. Feel free to ask any questions related to the signup process.…