ObamaCare and more can meet all of your dental needs
We Feature the following types of Dental plans:
Since we are an independent agency, we shop the top carriers to get you the best deal. Research all the affordable Dental Insurance plans from ObamaCare and more. Get your Free Dental Insurance Quote now. We have plans:
- Starting at less than $10 a month
- That Provide quality coverage for preventative, basic and major dental service
- Discount plans that provide significant savings over prevailing rates
Dental Insurance Advantages
It is important that you do seek dental coverage of some kind to ensure the health of your teeth and gums. Unfortunately, if you have to pay the full cost of dental care, you may find it difficult paying your dentist bills. Perhaps even more seriously, without dental insurance coverage, you may be tempted to skip regular cleanings and checkups, a decision that could lead to serious dental health problems.
How Dental Insurance Works
Dental insurance works similar to how health insurance works. For a specific monthly rate or “premium”, you are entitled to certain dental benefits, usually including x-rays, cleanings, regular checkups, and certain services that promote general dental health. Some plans provide broader coverage than others and some require a greater financial contribution on your part at the time when services are rendered. There are some plans that may also provide coverage for dental implants, certain types of oral surgery, or orthodontia.
Dental Insurance Plan Types
Similar to medical insurance plans, dental insurance plans are often categorized as either Indemnity or managed-care plans. The major differences concern out-of-pocket costs, choice of dental care providers, and how bills are paid. Typically, Indemnity plans offer a broader selection of dental care providers than managed-care plans. With an indemnity plan, the carrier pays for covered services only after it receives a bill, which means that you may have to pay up front and then obtain reimbursement from your insurance carrier later.
Managed-care plans typically maintain dental provider networks. Dentists participating in a network agree to perform services for patients at pre-negotiated rates and usually will submit the claim to the dental insurance company for you. In general, you’ll have less paperwork and lower out-of-pocket costs with a managed-care dental plan and a broader choice of dentists with an Indemnity plan.
Dental discount dental plans are dental insurance alternatives that start at only $79.95 PER YEAR and provide discounts of 10% to 60% on most dental procedures.
Which Type of Plan is Right for You – A Dental Insurance Plan or Dental Discount Plan?
Decide if you want a dental insurance plan or a dental discount plan. With a dental insurance discount plan you will get a certain percentage off your dental visits and orthodontic care. Usually you will have to use certain doctors that accept the discount plan. With a dental insurance plan you would use it as you would health insurance… you would possibly pay a co-pay for some services and maybe a deductible before some services depending on what you choose.
At ObamaCare and more we will spend the time with you to determine the type of plan that best fits your needs and budget.
Five Key Questions to ask when selecting a Dental Plan
At ObamaCare and more we pride ourselves on providing outstanding service. Providing you with the Best Dental Insurance quote in the market is just the beginning. Consider the 5 key questions below. We will take the time to explain the differences and choices available with each plan.
1. Can I choose my own dentist?
Just like health insurance, some dental insurance plans will restrict you to only certain dentists while others will give you your choice. So, if you have a favorite dentist and s/he does not fall into the cheap dental insurance category, it may be worth it to you to pay a little extra for the dental insurance that includes your favorite dentist.
2. Will my dentist and I get to choose the best treatment for me?
Some dental insurance plans will restrict payment to the cheapest treatment for a condition, although there may be other treatment choices available.
3. What will be covered?
A good dental insurance plan should cover two cleanings a year with no fee or office visit. X-rays and fluoride treatments are also usually covered at no additional cost. The cost of other services are usually split 50/50 with the insurance plan and patient, up to the plan’s maximum payout amount depending on the policy. But, if you are looking for a more affordable dental insurance plan, you still can find good plans with a little less coverage than above.
4. Will I be limited to when I can schedule an appointment?
Sometimes dentists limit scheduling times to certain dental insurance participants. Make sure your dentist does not limit appointments to people in your dental insurance plan to certain days or times of the week if that will be an inconvenience to you.
5. What will I pay?
Dental plans are usually worth the premium cost. An employer sponsored dental insurance plan is usually the best deal and typically will cost a family much less than if they paid for the dental procedures without dental insurance. In addition, depending on your tax situation your premiums may be tax deductible. Even if you opt for the cheap and/or more affordable dental insurance choices, it will more than likely still be a better savings over paying for the procedures out of pocket.