Compare Dental Insurance Plans – Their Rates, Policies for Private and Individuals

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compare dental insurance plansTo compare dental insurance plans and rates easily, no matter if you’re looking to compare dental insurance plans for individuals or private , you should definitely take advantage of the benefits of the Internet. There are now many resources online that can help you make fast and easy comparisons. All you have to do is go to websites that provide information about the different dental insurance providers and discount dental plans that are currently available.

Before buying dental coverage, you first have to compare dental insurance rates so you can make an informed decision. Not all dental insurance offers are the same. They don’t only differ based on rates; the coverage offered also differs. Some plans cover only basic dental procedures, while some offer comprehensive coverage for basic, minor, and major care. Some plans don’t include specialty care such as cosmetic dentistry or orthodontics, while some do. So comparing is not merely checking which plan is most affordable; it is also about checking which plan best fits your needs.

If you want to compare dental insurance policies, here are three plans you may want to consider.

Compare Dental Insurance Plans – Top Three Offers in the Market of Private and Individuals

  • Patriot Plan
  • Vital Savings by Aetna
  • UNI-CARE 100 discount dental plan

1. Patriot Plan

The Patriot Plan was especially designed to provide affordable but complete dental care to Americans. It is ideal for families because it helps you receive dental care and save money at the same time. By checking the complete schedule of reduced dental fees you will have to pay, you will see that you can save up to 50% off on dental care. You can receive discounted care from any of the 7,900 dentists in the Patriot Plan network.

To reap these promised benefits from Patriot Plan, you simply have to pay $104.95 or $159.95 depending on whether you seek individual coverage or family membership respectively. Membership lasts for an entire year, which means you can enjoy the benefits for an entire year with no maximum limit.

2. Vital Savings by Aetna

Aetna is a well-known name in the dental and health care industry. Although its main offer in the dental field is the Aetna Dental Access plan, it also offers the Vital Savings by Aetna. This new plan raises the membership fee from $104.95 to $134.95 for individuals. Families can avail of group membership for only $179.95.

The difference with this plan is that it works in two ways. First, it allows you to save up to 50% on a wide range of dental care procedures. The coverage it offers includes even specialty care such as root canals and orthodontics.

Aside from that, however, Vital Savings by Aetna also provides 9 additional savings programs. If you compare dental insurance plans and find that a lot of offers seem similar, these 9 additional offers will give Aetna its ultimate advantage.

3. UNI-CARE 100 discount dental plan

If you compare dental insurance plans, you will find that UNI-CARE 100 is the cheapest dental plan in the market. Charging only $79.95 for a year’s worth of membership, which translates into a year’s worth of discounts on most dental procedures you might need including orthodontics. Families just have to pay $129.95 and receive coverage for the entire year. Despite the low price, it even comes with a special Bonus Benefits package.

Compare Dental Insurance Plans Rates and Discount Dental Plans

There is much confusion about the differences between dental insurance and dental plans, also known as discount dental plans to identify it from dental insurance plans. There are many differences between the two. For one thing, dental plans are usually more easily accessible; anyone can apply and get them, from individuals, families, and groups. On the other hand, dental insurance plans often come in group coverage.

The payment systems also differ. In dental insurance, the coverage pays for all expenses up to a maximum limit. When you reach the limit, you pay everything out of your own pocket. In discount dental plan, you pay a membership fee that’s good for an entire year, and you enjoy discounted rates the entire year with no maximum limits. Dental insurance also requires you to pay deductibles first before coverage will begin, while discount plans gives you up to 60% discounts on every procedure you seek.

These are the major differences you will find when you compare dental insurance plans and discount dental plans.