How to Shop for Dental Insurance

How to Shop for Dental Insurance

Navigating dental insurance on your own can be confusing and overwhelming. Let us guide you to the best plan for your unique situation.

No Waiting Periods

Large Network of Providers

$100 Lifetime Deductible

Choice of In-Network or Out-of-Network Providers

$5,000 Max Coverage Year 3

Choice of In-Network or Out-of-Network Providers

$5,000 Max Coverage Year 3

Low Cost

Preventive Care

Large Network

PPO Savings

Coverage for Procedures

PPO Savings

Coverage for Procedures



Dental insurance helps you save money on dental procedures, provides access to quality dental care and protects your health and budget from unexpected issues. 

Shopping for dental insurance can seem overwhelming, but it's not so bad when you start assessing your needs to match the coverage options available to you.


Assess your needs

How is your current oral health? Are you planning for any major dental work to be done? Are you not concerned about anything and only looking preventive care coverage? Answering these questions will help determine which plans will are best for you.

A low-cost preventive focused dental plan works great for people that only need regular cleanings and an occasional filling. If more major dental work is on the horizon, shop higher coverage plans to help cover more of the cost.


Understanding different dental plan types


PPO

PPO dental plans have a large network of dentists who have agreed to provide services at discounted rates to plan members. You'll have the flexibility to choose any dentist, but you'll typically save more if you visit an in-network provider.


HMO

HMO dental plans have a network of dentists who provide services to plan members at predetermined rates. You must select a primary care dentist from the network and obtain referrals from them to see specialists.


Indemnity

Indemnity plans allow you to choose any dentist without restrictions, as they reimburse a percentage of the dentist's fee for covered services. These plans tend to have higher premiums. 


Take advantage of provider networks

If you're shopping a PPO plan, like Magnum, check to see if the dentist you see if listed in-network. See a dentist in-network within the Ameritas Dental Network for Magnum plans can save you 25-50% on all covered services!


Review costs and benefits

Premium: You pay this portion of the plan on a monthly basis. You’ll see that the premium is lower for less benefits and higher for plans offering more comprehensive coverage.

Deductible: This is the amount you'll pay before your benefits are activated. 

Coinsurance: Coinsurance splits the costs with you—you'll pay a portion and your dental plan will cover the rest helping you lower out-of-pocket costs for dental services. 

Annual max: This is the total amount your dental plan will cover within a year. 


Find affordable coverage with Magnum

Whether you're shopping for yourself, for loved ones or shopping to supplement your Medicare plan, our budget-friendly dental plans grant you easy access to quality dental care at an affordable cost. 

Shop today and protect your smile!

Frequently asked questions

FAQ

How much do most dental plans cover?
Plans vary in terms of what they cover, so if you’re searching for the best dental plan for your family, be sure to check all of the coverage details and limits. For example, you might find family dental insurance that covers 100% of the cost of preventive care, 80% of basic services, and 50% of major services. Some plans cover even more, such as orthodontics and implants. 
Is dental insurance tax deductible?
You might be able to deduct the cost of dental insurance if it’s for medical rather than cosmetic purposes. Work with a tax expert to determine if you can indeed deduct your dental insurance and dental care expenses. 
How do I choose a family dentist?
There are a lot of things to consider when searching for the right dentist. It’s wise to see a professional who has a positive reputation, years of experience, and the ability to provide top-quality care with the latest tools and technology. Also keep in mind that some dentists work with both children and adults, while pediatric dentists focus on kids. You can look through your insurance provider’s network to find a dentist that will help you save. 
Can I have two dental insurance plans?
Dual coverage, which involves having two dental plans, may be possible if you’d like to take that route. However, you can’t buy two separate Spirit Dental plans. Also, we don’t coordinate benefits and don’t check if another insurance provider has covered a portion of a procedure. Instead, we determine coverage based off the entire procedure. 
What is the cheapest dental insurance for family?
With a wide variety of policies to choose from, you can turn to Spirit Dental when you want a family plan that will be affordable and give you the right amount of coverage. Contact us if you need help selecting the plan that’s ideal for you and your budget.

Get your free quote!

  • 7/1/2024
Questions about our plans? Call us: (844) 833-8440

Get a dental quote fast

Find the best dental plan for you, enroll today and activate next-day benefits with no waiting periods

Need additional help? We’re here for you!

Give us a call, and we'll make it easy choosing a plan that works for you: (844) 833-8440

  • 7/1/2024