Enter your Zip Code to find orthodontic dental insurance quotes

 

 

 
 

 
INDIVIDUAL - FAMILY ORTHODONTIC DENTAL INSURANCE PLANS

 
Orthodontic Insurance Options

Orthodontic insurance works like other types of insurance.  You may also need a supplementary form of dental orthodontic insurance in order to cover your costs.  The maximum amount covered as well as the percentage that your provider pays for will depend on your orthodontic insurance plan and on your insurance company.  With monthly or yearly premium for these orthodontic insurance you can avail maximum benefit from your insurance company for your orthodontic care. 

Braces, x-rays, retainers and regular checkups for your orthodontic care are not affordable and you always need an extra helping hand, which comes as orthodontic insurance.  Looking out for best orthodontic insurance company is always advisable for you all.  If your dental insurance company is covering the costing for your orthodontic care then it good to go with that dental insurance company and if it says that they will not cover your orthodontic care then it is time to look out for a orthodontic insurance company to make your orthodontic care affordable and easy. 

With great number and proportion of dental patients alone in united states reveal that how important it is for you to go for best orthodontic insurance.  If you are looking for complete peace of mind for you and your family just go for any best or affordable orthodontic insurance plans.  The first step in starting your search for orthodontic insurance is to review what you have currently.  Most people think that orthodontic insurance is the dental insurance.  However, this is not true as orthodontic insurance is totally different from dental insurance. 

There are many types of plans available and a person may find some orthodontic insurance plans that limit his choice of orthodontists.  Main purpose of orthodontic insurance is to make orthodontic equipment, procedures and general orthodontic care affordable.  Some people call orthodontic insurance as orthodontic dental insurance also.  It has been observed that orthodontic treatments and specialists are expensive ones to bear and thus, if any person wishes to undergo any type of treatment in future, like orthodontic braces etc, it is better if he goes for orthodontic insurance. 

In return, insurer will bear the orthodontic care cost up to the maximum limit mentioned in the orthodontic insurance.  It has been seen in many cases that a person is paying for his dental insurance and still requires separate orthodontic insurance.  Some areas that must be carefully looked for in the orthodontic insurance are co-pays, premiums, exclusions and deductibles. 

Benefits of Orthodontic Insurance Plans

The maximum amount covered and percentage that your provider pays for will depend upon your orthodontic Insurance plans.  Benefits of Orthodontic Insurance Plans are: It can help covering braces affordable It will solve all your dental care issues thus give you the peace of mind It can help you in preserving your overall health If you do not have the orthodontic insurance plans, go get it now to cover all the risks and costs.  If you are interested in adult orthodontics, ask if your plan includes adult orthodontic insurance. 

Dental discount plans and orthodontics insurance Dental discount plans provide an alternative solution if you do not have a dental insurance or if your policy offers no or minor orthodontic insurance coverage.  How to get the best of your orthodontic insurance coverage before you take the final decision for your orthodontic insurance provider, make sure that you can find a suitable orthodontist in your area that accepts your dental braces insurance or dental discount plan. 

Individual and Family Dental Insurance - Customer Service Department

Our customer service department is ready to assist you with any questions you may have and help you purchase an employer, family or individual dental insurance plan today.  We provide access to many of the largest, most recognized individual dental insurance networks in the nation.

InsuranceCompany.com is a specialist in dental insurance, dental discount plans, vision and prescription coverage programs for individuals, families and groups. We have been serving the dental community since 1983, you will find our licensed dental insurance agents are well informed and ready to assist you. Compare dental insurance plans and decide which one is right for you and your family.

Many of our dental plans have next day benefits including vision and prescription. InsuranceCompany.com offers quotes for individual and family dental insurance plans including an option to compare dental national coverage plans. Remember, buying dental insurance does not have to be a painful process. We offer dental benefit coverage in all 50 states.

I hope this dental information has helped you and your family.
Dr. David Blunt

 

Dental Insurance - Oral Health Dental Care Information

Cleaning Your Teeth - Does it Save on Dental Insurance
Replace your toothbrush every three or four months or sooner if the bristles become frayed...

Tooth Ache Home Remedies and Dental Insurance
Discover the simple solutions to tooth aches and how dental insurance can help...

Does Dental Insurance Cover Teeth Sealants
Dental sealants act as a barrier, protecting the teeth against decay-causing bacteria...

Dentures - Defraying the Cost with Dental Insurance
If you’ve lost all of your natural teeth replacing missing teeth will benefit your appearance
...

Dental Health - Dental Insurance Benefits
Based on information gathered during the ADA annual session, dentists report...

Teeth Whitening - Does Dental Insurance Pay
Teeth whitening products is the latest fad but are they safe for you and your family...

What is Cosmetic Dental Insurance
A popular cosmetic dental procedure to a perfect smile is bonding...

Teeth Cleaning - Helps Reduce Insurance Premiums
Dental hygiene remains at the bottom of the health care duties...

 

What are Dental HMO's

These insurance plans, also known as "capitation plans," operate like their medical HMO cousins. This type of dental plan provides a comprehensive dental care to enrolled patients through designated provider office (dentist). A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan.

The dentist is paid on a per capita (per person) basis rather than for actual treatment provided. Participating dentists receive a fixes monthly fee based on the number of patients assigned to the office. In addition to premiums, client co-payments may be required for each visit. Some typical features of these plans:

- Monthly premiums (some require you to prepay a year's worth)

- Co-payments for office visits

- Free preventive or routine care

- You must select from an approved network of dentists

- May have an initial enrollment fee

- Annual dollar cap

- Your average monthly cost: $5 to $15

- Companies selling these plans are regulated by state insurance departments.

Finding the right value in dental insurance or dental plans is an important step in purchasing dental coverage for you and your family. Both types of dental plans have advantages and disadvantages and one size does not fit everyone.

Keeping this in mind is an important rule when you shop for the dental plan that best fits your needs. We sell both individual and family dental insurance and dental discount plans throughout all 50 states. Here are some brief examples that may help you decide.

Indemnity - Dental Insurance

This is the plan where you choose your own dentist. The dental insurance plan pays the dental office (dentist) on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses the dental office (dentist) for the services rendered.

An insurance company usually pays between 50% - 80% of the dental office (dentist) fees for a covered procedures; the remaining 20% - 50% is paid by the client. These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity plans also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules. Some typical features of these plans:

  • High deductibles before coverage begins (well-designed plans don't apply the deductible to preventive services)

  • Probationary periods on certain procedures that last up to a year

  • Annual dollar limit on benefits

  • Chose your own dentist

  • Your average monthly cost: $15 to $25

  • Companies selling these plans are regulated by state insurance departments.

Dental Discount

You will want to use caution with this type of dental plan since it is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 70%) off the regular ADA pricing code.

This plan has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive immediate coverage for work without meeting any waiting period requirements.

Learning About Dental PPO's

Preferred Provider Organizations

Another true insurance plan, a Preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined panel of dentists.

The participating dentist agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser. If the patient chooses to see a dentist who is not designated as a "preferred provider," that patient may be required to pay a greater share of the fee-for-service. 

A group of dentists agrees to provide services at a deeply discounted rate, giving you substantial savings — as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:

  • Monthly premiums

  • Annual dollar cap

  • You must stay within the approved network of dentists or pay higher deductibles and co-payments

  • Your average monthly cost: $20-25

  • Companies selling these plans are regulated by state insurance departments.

Direct Reimbursement Plans

A dental care plan now coming into vogue is the direct reimbursement plan. This is a self-funded benefit plan — not insurance — in which an employer pays for dental care with its own funds, rather than paying premiums to an insurance company or third-party administrator.

You, the patient, pay the full amount directly to the dentist, then get a receipt detailing services rendered and the cost, which you show to your employer. The employer reimburses you for part or all of the dental costs, depending on your specific benefits.

Your company might reimburse 100 percent of your first $100 of dental expenses and then 80 percent of the next $500, and 50 percent of the next $2,000, with a total annual maximum benefit of $1,500. Or it might reimburse only 50 percent of your first $1,000, resulting in a $500 yearly cap.
Some typical features of a direct reimbursement plan:

    Some typical features of a direct reimbursement plan:

  • Neither you nor your employer pay monthly premiums

  • Freedom to choose any dentist

  • Typical employer cost: depends on the number of employees and

  • benefit caps

  • Benefits usually capped at $500 to $2,000 annually.

Dental Insurance - How Dental Benefits Help You

Individual Dental Insurance
Individual dental insurance is one of the most widely adopted private insurance types...

Family Dental Insurance
Family dental insurance plan is a very great way to cover your family, at reduced costs...

Dental Insurance Decisions
Dental decision is not an easy task when purchasing benefit coverage...

 
PPO Dental Insurance
Learning about Dental PPO's Preferred Provider Organizations - another true insurance plan..

Dental Plan Coverage
Always review the dental plan coverage description thoroughly for any variations in coverage...

Indemnity Dental Insurance
This is another plan where the plan pays the dentist on a traditional fee-for-service basis...

HMO Insurance Networks
DHMO refers to a dental health maintenance organization...

Business Dental Insurance
Business dental insurance plans have become essential to businesses...

Affordable Dental Insurance
Affordable dental insurance plans may have should not limit the pool of dentist..

Dental Insurance for Braces
Cheap dental insurance for braces can be found through a variety of insurers...

Supplement Dental Insurance
This dental plan will normally not cover the entire dental care procedure...

Student Dental Insurance
Is one of the most affordable with special student discounts...

Benefits of Dental Insurance
Remember, benefits vary depending on the type of dental insurance plan...

Dental Insurance for Crowns
Dental crowns are also useful for patients who tend to grind their teeth...

Cosmetic Dentistry - Insurance
A popular cosmetic dental procedures to a perfect smile is bonding...

Best Dental Insurance Plans
Discusses the analysis of dental care needs in order to find the best dental insurance for you...

Types of Dental Insurance
Dental insurance is intended to help offset the costs
associated with dental care... 

Dental Insurance - Important Dental Care Information

Wisdom Teeth
Wisdom teeth are a valuable asset to the mouth when they are healthy...

Tooth Decay
Although tooth decay has declined among young children as a group problems remain...

Making Informed Choices
The law mandates that consumers with dental coverage receive a detailed handbook...

Choosing a Dentist
Dental benefits plans can be categorized by the options offered for selecting a dentist. Some plans allow you the freedom to choose your own dentist...

Paying the Dentist
When choosing a benefits plan, it is important to know who pays what to whom. Dental plans can be categorized into three types based on the compensation and treatment provided...

All Dental Plans have their Limitations
Today's health insurance, including your dental plan, is designed to help you get the care you need at a reasonable cost. Because each person's oral health is different, costs can vary widely. To control dental treatment costs...

Annual Benefits
To help contain costs, your plan may limit your benefits by number of procedures and/or dollar amount in a given year. In most cases, particularly if you've been getting regular preventive care, these limitations allow for adequate coverage...

Getting the Most out of Your Dental Plan
To take full advantage of your dental benefits plan, visit the dentist regularly and get the preventive care that will keep your mouth healthy...

 


Dental Insurance Disclosure

The dental insurance programs listed are based upon the zip code you entered and their availability. If we are unable to offer a dental insurance plan, we will provide a dental discount plan, if available, and clearly state it.

Please be sure to contact the plan dental office to confirm they are accepting new patients and they are accepting the dental plan you have selected. If you have any dental plan questions please feel free to contact our office during regular business hours. You will find our licensed insurance agents ready to assist you.

Our dental web site is very clear if you are selecting a dental insurance plan or a dental discount plan. We understand that there are many dental plan web sites popping-up all over the internet, claiming to offer "dental insurance" when in fact they do not and are not licensed to offer a dental insurance plan.

If you find a site that says they offer dental insurance, they are "required" to show their insurance license information on the web site, as noted at the bottom of this page. If they don't, then report them to your local state department of insurance.

If you find a dental web site stating they offer "dental insurance" and in fact they don't, then take the opportunity to report that site to the search engine you found them on.

Our entire staff is licensed to offer, sell and service dental insurance. Always ask to speak with a licensed insurance agent. Ask them if they are licensed. Full disclosure is our guarantee...
 

Members can save on all dental charges and procedures including dental restorative cosmetic work (fillings, dental crowns, dental braces, dental implant's) and dental product related items, etc.), dental hygiene services, preventative work (teeth cleaning, x-rays, etc).  General dentistry, dental hygienist, dental assistant, dental assisting and all specialties where available are covered.

DENTAL INSURANCE, DENTAL PLANS, VISION & PRESCRIPTION COVERAGE
Thank you for choosing InsuranceCompany.com®
 we look forward to serving you and your family...

InsuranceCompany.com is a registered trademark
Copyright 1997-2012. Del Amo. All rights reserved.

 

 

This is not an attempt to describe the product coverage and its' contents but merely used as a sales tool for the purpose of product illustration. The website and its' owners cannot make recommendations as to whether any illustrated product may meet the users' particular needs. Therefore, the suitability of the product is the final determination of the user of this website. The use of this website is acceptance of the sites' privacy statement. Coverage is not in effect until an application is signed, transmitted, payment received and approved by the underwriting company unless otherwise specifically stated. A physical and/or background inspection may be done to verify the information provided. The quote(s) will be based up on the underwriting information you supplied and the quote(s) is/are subject to change upon inspection and review by the underwriting company. The underwriting company reserves the right to determine the final coverage, premium and acceptability  If you have any questions regarding the information collected, please contact the agency. All quotes are provided by DEL AMO Insurance Services, Inc,. DBA:  InsComp Insurance Services and/or one of it's affiliated agents, brokers, agencies, brokerages, and/or companies  Lic: 0B93601  Agent David Blunt, Lic: 0638553. Commercial use by others is prohibited by law. No portion of any news or information from this website may be photocopied, faxed, mailed, distributed, transmitted, published, broadcasted, duplicated, or re-distributed in any manner for any purpose without prior written authorization of its' owner.

2014-04-21T10:08:25+00:00 Harbor City - Los Angeles, California.