"Your Dental-Insurance-Guide"... Find Out
Which Of The 5 Major Types Of
American Dental Plans
Is Best For Your Financial Situation?

"Your Dental-Insurance-Guide"... is about the financial structure of the 5 major types of American dental plans.

As such, this guides helps you to choose a dental insurance plan that's right for your situation... your family, your business, or both.

Exactly how does this guide help you to choose a dental plan that's right for your situation?

"Your dental-insurance-guide" looks at 3 major aspects of dental plans. Major aspects that affect overall cost and efficiency of plan in helping you to obtain and maintain your oral health goals.

What are those 3 areas?

* Number One... The Dental Plan's Overall Cost

Not just in terms of monthly premiums, but also in terms of cost that include deductibles, co-pays, and/or co-insurance .

Of course, these features figure into overall cost of dental plan to you.

* Number Two... The Dental Plan's Flexibility

Especially, in terms of being able to choose your own dentist. What's the dental plans policy, or restrictions, towards visiting dentists out of plan's network of dentists?

For the most part, you'll pay more or all of cost when you visit out of network.

* Number Three... The Dental Plan's Coverage Limitations

In terms of limitations on what procedures are, or are not covered. And, annual dollar cap limitations (maximums).

The plan's coverage limitations are really a window... a window into plan's overall commitment to you and your family's oral health.

With that said, let's jump into "your dental-insurance-guide" behind-the-scenes breakdown of our 5 types of American dental plans.

First up...

Dental Indemnity Plans

Indemnity plans... also known as our "traditional" dental insurance plan type. Our most expensive type of dental plan.

Why are indemnity plans expensive?

Mainly because, they charge you for the "freedom to choose" your own primary dentist, and specialists. They usually have a recommended list of dentists. If you use a recommended dentist, then co-insurance payments are a smaller.

Dental indemnity plans have deductibles and co-insurance payments. Co-insurance payments are based on percentage of services cost after deductible.

Annual Maximum Benefit... usually around $1,200, for individual or family.

Next, let's look at...

Dental Preferred Provider Organization Plans

DPPOs are considered less expensive than indemnity dental plans in regards to monthly premium cost. They're one of two types of dental managed care plans, the other is DHMOs (see below).

DPPOs have a tight network of dentists. Dentists within these networks have agreed to discount their fees in order to participate in network. Even so, plan does allow you to visit dentists outside of network... as long as you're willing to pay more out-of-pocket costs.

You pay co-insurance with DPPO's and they have deductibles.

Annual Maximum Benefit... usually around $1,200, for individual or family.

Next, our other managed care plan...

Dental Health Maintenance Organization Plans (DHMO)

Dental HMOs are the other type of managed care dental plan. Dental HMOs plans are even cheaper and less expensive than DPPO's (again, in regards to monthly premium cost).

Why are Dental HMOs less expensive than DPPO's?

Primarily because... they strictly require members to visit only dentists withing network. They won't pay for any dental visits outside of network. Again, dentists who've agreed to discount their fees in exchange for being able to participate in network.

Keep this in mind with DHMO's... extensive services or major dental work is often denied, even within network.

DHMO's usually don't have a deductible or an annual maximum.

Next up...

Direct Reimbursement Or Self-Funded Dental Plans

These plans wereoriginally designed for large-size employers. Yet, mid-size and small-size businesses are increasing turning to self-insured dental plans to offset high cost of providing dental coverage to employees.

These plans require employers to have a lot of reserve cash on hand.

It's probably not proper to say... these are most or least expensive type plans... they simply require a great deal of reserve cash by employers.

With reimbursement plans employer sets aside a pool of money to reimburse employees for most of their dental cost. Depending on number of employees... pool can quickly add up to a large amount of cash, for employers.

These plans are structured widely, depending on employers wishes. Some have deductibles... most have co-pay or co-insurance

Annual Maximum Benefit... usually around $1,500, for individual or family.

Last, but certainly not the least of the 5 major types of dental plans...

Dental Discount Plans (DDP)

Discount plans are technically Not insurance plans. They are fee for service plans. They're also called Dental Savings Plans. With DDP's you pay for discounted services when received at dentist office.

DDP's are able to offer deep discounts on a wider number of procedures. Primarily because, they don't employ third party administrators, TPA's or ASO's.

Why are dental discount plans your LEAST expensive type of plan, for both individuals and employers?

Mainly, because of what I just mentioned... No third party administrators. They cut out cost of having to pay a middle-man. They pass along those savings to you, their members, in the form of deep discounts on dental work and low monthly fees (premiums).

DDP's have No deductible or annual maximum.

There you have it, the "short of it".

Why Dental-Insurance-Guide Prefers Discount Plans

Your dental-insurance-guide doesn't just prefer discount dental plans because they're the least expensive type of plans.

No, I as...

Click Here To See Prices

"Your dental-insurance-guide" prefers this, the nations leading national discount dental plan because. First off, this plan offers you discounts on Any and All dental work... including All cosmetic procedures... none of the other type of dental plans do that.

It's The Only Full And Complete (Comprehensive) Dental Plan

No other plan, within any of the 5 types of American dental plans, come close to offering you a discount... or even partial coverage... towards ALL cosmetic dental work. Except maybe, self-funded plans.

Also, and this is huge. This particular dental discount plan offers...


Yes, preferred plan offers you and ANYONE else in your household... comprehensive household coverage. Regardless of whether household member is married to you, your dependent, or not.

Click Here To See Prices

No other dental insurance plan of any type in America... that I know of... offering you HOUSEHOLD coverage, except this dental discount plan - this dental plan is truly something special!

Now you know why, "your dental-insurance-guide" recommends and prefers the above plan.

Do check out preferred plan, up close... you'll be glad you did.

Finally, If You Want...

More in-depth behind-the-scene info about any of the 5 major types of dental insurance plans... simply click on link of interest below:

Dental Indemnity Insurance

DHMO Dental Insurance

PPO Dental Insurance

Direct Reimbursement Plans

Discount Dental Plans

I hope this dental-insurance-guide has been helpful... take care and...

*Thanks for Visiting*

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Broker-Moe Fard/ThatDentalPlansGuy
Albany, NY 12202