Individual Dental Insurance Plans

Individual dental insurance plans are for people who want to purchase dental insurance for a single individual. The person may be self-employed, unemployed, a student, a senior citizen or even an employed person with insurance, but wants to save even more on dental treatments.

Individual insurance plans often cost less than family or group plans and are of two types: conventional or discounted.

Conventional individual dental insurance plans are similar to most health insurance plans. With this type of plan, you pay a premium, either weekly or monthly, and in return, receive dental benefits which can range anywhere between 80-100% of the dental fee. There are some limitations with a conventional plan, but there are ways to use other methods to maximize your savings or coverage. For example, if you are employed, your employer may have a Dental Reimbursement Plan. Dental reimbursement plans allow you to set aside pre-taxed money to cover expenses not paid for by your traditional plan. You may also consider a discounted dental plan that locks in the fees the dentist charges.

Discount dental plans operate on the same premise as conventional dental insurance, but with less the hassle. While there are providers you must use, there are no claim forms, long waiting periods, deductibles, and regulations on pre-existing conditions. As a plan member, you simply show your membership card when visiting any participating plan provider and receive dental services at discounted rates.

In addition to dental discounts, many dental plans offer discounts on other services which include physical theraphy, vision, prescription drugs, over the counter medicines, fitness clubs, hearing aid devices, diabetic supplies, and so much more. And all of this for no additional cost! Below is a sample of dental savings you can receive with a discount dental plan.