Individual Dental Insurance

Individual insurance costs have been rising astronomically in the past few years, and that only means that health benefits have been trimmed little by little. Increasingly, insurance does not include dental or vision. But did you know that you can buy individual dental insurance? In some ways, dental insurance works much like other medical insurance plans. The difference is that dental insurance is often much cheaper in comparison. For example, some plans cover 100% of your trips to any dentist for preventive care for as little as $16 each month ($50 deductible). They also cover 100% of X-rays and 50% of extractions, oral surgery or fillings and do not exclude for pre-existing conditions or include a waiting period. (Maximum benefit of $1,000 each year).

Of course, individual dental insurance is like other insurance plans in that you should expect lots of variety between plans-various levels of deductibles, types of coverage, and limits on total costs. You should always pay careful attention to the fine print and know the limitations of your plan. But it is very encouraging to know that it is possible to buy individual dental insurance for an affordable price and that it really will cut some of your dental costs. When you need to find the best plan for you, the easiest way is by searching on one of the internet's dental insurance sites.

dentalinsurance.com

This site allows you to comparison-shop between dental insurance plans across the country. For businesses, the same site allows you to also pursue group dental insurance. Another great asset is their extensive database of dentists which can also be searched by location or specialty. You can complete the entire process online, or speak directly to a representative by phone.
http://www.dentalinsurance.com/di/

deltadental.com

Delta Dental is actually a non-profit conglomerate of smaller dental insurance companies. Here you can search among all of these conglomerates for the coverage you need. You can also search for a dentist or find extensive information about oral health. This web-site is clear and easy to use. The greatest weakness is that only about half of the states are yet included in Delta Dental.
http://www.deltadental.com

humanaonedental.com

Humanaone dental also allows a quick search for dental plans in your state. One of the strengths of this site is that almost all states are included (not OR, MT, MD, DC or NH). The information is very clear and easy to use. Another benefit of this site is that it displays the fine print for insurance plans in a clear and readable format. This site also allows searches for vision care.
http://www.humanaonedental.com/