You have probably heard a lot about the necessity of dental insurance and have likely seen more than one television advertisement offering low cost dental options, but how much do you know about the dental insurance companies? There are several dental insurance companies that are actively seeking new clients; some are operating on a national level while others simply offer regional assistance. Below is a peek at a few of the prominent dental insurance companies and what they have to offer.
Aetna
Probably one of the best-recognized names in the health insurance field is Aetna. They are a national company who offers many comprehensive health, dental, behavioral health plans and many more. Along with their large suite of insurance policies, Aetna also provides managed care and provider networks that can save individuals from 15-50% on routine procedures. Their pricing and savings of course will depend on which option you choose and where you live.
CIGNA
Cigna is a national company as well with more than 60,000 dentists in their managed care a provider networks, however they are not available in every state. Cigna is a dental insurance company that can provide you will all the choices in dental coverage. They have traditional insurance as well as several different savings plans. Their site has a handy tool that you can use to see if services or plans are offered in your area.
Let’s take a look into a discount dental program, to participate with a discount program you simply pay a monthly fee, some companies do require you to pay a onetime enrollment along with your first months fee the monthly fee is usually very low. Next you will choose a provider that participates in their network so be sure to ask prior to enrollment about dentists that are in your area.
Delta Dental
This is America’s largest provider of dental benefits; they have the most experience in the field as well. This company offers both group dental plans for employers as well as individual plans for the uninsured or under insured. There are over 39 independent Delta Dental member companies operating in all 50 states of the union. They have many different dental plans including PPO, HMO and traditional insurance, they are sure to have something for just about everyone. It is important to note that their individual insurance is not available in all states just yet, check with the web site for availability.
To determine the total cost of the insurance multiply the monthly premium times twelve month this will give you a cost, plus you will need to add in the deductible to that annual cost figure because you will be paying out of pocket for the deductible as well. For the discount program do the same multiply the monthly cost times twelve. So now compare those two totals and then examine the benefits that you get from each one to determine which will work best for you.
With either an insurance or discount program make sure the Dentist you will be using accepts the plan you choose
Resource Author Francisco Rodriguez H.
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