2017 RANKING & REVIEWS
TOP RANKING BEST DENTAL DISCOUNT PLANS
Introduction: The Top Discount Dental Plans for Your Oral Health
We all know that taking care of your teeth is an important part of a healthy lifestyle.
We also know that if we don’t do a good job brushing, flossing, and making it to the dentist for routine checkups once a year, we’re bound to get stuck with a pretty hefty dentist bill.
Finding discount dental care or discount dental insurance is often the only way to be able to pay for the fixes we need to our teeth.
If you need a couple root canals and crowns but don’t have any sort of discount dental coverage, chances are that you will either be paying several thousand dollars out of pocket or visiting your local health department to get those teeth pulled.
With so many companies and offers out there, however, how do you know which discount dental plans are the best for you?
Award Emblem: Top 5 Sites for Best Dental Discount Plans
In this brief article, AdvisoryHQ will look at all aspects of the best discount dental plans on the market. We begin by explaining how dental discount plans and discount dental insurance work. We then offer a comparative table of the top five sites for the best dental discount plans available.
In our FAQ section, we offer advice on what to look for in the best dental discount plans as well as information on the top discount dental plans for seniors. Finally, we offer a complete review of the top five websites that will offer you the best discount dental plans on the market.
What Are Dental Discount Plans and Discount Dental Insurance?
The rising cost of healthcare around the world has led many people to search for alternatives to regular health insurance. In the specific case of dental insurance, many people would have to wait upward of two years before their plan was activated and they could actually benefit from the insurance they were paying for. A general frustration with the overall quality of regular dental insurance plans has led many people to discount dental coverage.
Also known as a referral plan, discount dental care offers an alternative to regular dental insurance and can save you major money.
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According to Wikipedia.com, discount dental plans are “membership-based discount plans for dental health maintenance and intervention. In it, the patient pays the entire cost of a rate negotiated between the dentist and the referring company, usually between 10-60% of normal cost.”
One of the major benefits of the best dental discount plans available is that they don’t come with any sort of annual limit. Whereas traditional insurance plans usually had strict annual caps, the top discount dental plans will not place any sort of limit on the type of dental work you can receive.
Furthermore, the best dental discount plans also come with a much shorter waiting period. As we mentioned above, regular dental insurance often made their clients wait upward of two years before any major dental work would be insured. With discount dental plans, there are still waiting periods, but they tend to be much shorter in nature.
AdvisoryHQ’s List of the Top 5 Discount Dental Plans
List is sorted alphabetically (click any of the discount dental care names below to go directly to the detailed review section for that discount dental):
Top 5 Best Dental Discount Plans | Brief Comparison & Ranking
Best Dental Discount Plans
Available to Businesses or Individuals Only
Individuals and Businesses
Large network of dentists
Individuals and Businesses
Includes coverage for vision and prescription medicines
Individuals and Businesses
Great website to help you compare the best dental discount plans on the market
Low $10 per month fee
Also includes coverage for hearing aids, vision, and prescription medicines
What Features to Look for in the Best Dental Discount Plans Available
If you can save anywhere between 10% and 60% through switching to discount dental plans, why doesn’t everyone do it? While dental discount plans certainly do offer a number of benefits over traditional insurance, you also need to be aware of certain factors.
Discount dental care might not be for everyone. For example, if you are wanting to get expensive cosmetic repairs to your teeth (such as teeth whitening), chances are that your discount dental insurance won’t cover those types of procedures.
If, however, you are looking for discount dental coverage that will protect from any major and unforeseen expenses that come from needing to get extensive tooth work done, then there are a number of features that you should be aware of. Below, we look at the three most important features in the best dental discount plans available.
Large roster of dentists:
The best dental discount plans should advertise the number of dentists that are in their network. Some of the top discount dental plans have a nationwide network of dentists with more than 100,000 dentists to choose from.
This is important especially if you are intent on finding discount dental coverage for every member in your family. For example, pediatric dentists within a discount dental care plan can be extremely helpful for the youngest members of your family.
Immediate treatment for pre-existing conditions:
One of the biggest perks of discount dental plans is that they should allow you to have access to immediate coverage for any dental maintenance work that you need.
While regular insurance has long waiting periods, the best dental discount plans should allow you to get the work you need done taken care of immediately.
Make sure to ask about any restrictions on the discount dental insurance that you choose and whether or not there is a waiting period for certain types of procedures.
Estimated savings on dental procedures:
The whole point of signing up for the best discount dental plans is to save money.
You should see savings of anywhere between 10% and 60% on dental procedures while not having to deal with complicated deductibles, co-pay options, and waiting periods that come with regular insurance.
To find the best savings on the best dental discount plans, make sure to look around and compare the average price for certain types of procedures.
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Where to Find the Top Discount Dental Plans for Seniors
One of the biggest unexpected retirement expenses that many senior citizens deal with is the price of dental care. Dental insurance for seniors can be prohibitively expensive, and many senior citizens find that discount dental plans for seniors are often the most affordable option.
Furthermore, discount dental plans for seniors are usually offered separately from other types of discount dental plans. The best dental discount plans for senior citizens are offered by a number of different companies and networks.
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According to the AARP, discount dental plans are often the most affordable way for senior citizens to enjoy access to quality dental health care. “For monthly fees of $10 to $12, these plans give them access to discounted dental services.”
Furthermore, the government Affordable Care Act doesn’t necessarily help senior citizens get access to dental health care. According to Dentalplans.com “the ACA does not require adults to have or purchase dental insurance and few of the plans you’ll find on the Marketplace will include dental benefits.”
For that reason, discount dental plans for seniors are often times the only alternative.
AdvisoryHQ’s Selection Methodology
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Detailed Review – Top Ranking Discount Dental Plans
Below, please find the detailed review of each of the best discount dental plans. We have highlighted some of the factors that allowed these dental discount plans to score so highly in our selection ranking.
One of the best dental discount plans available is offered by Aetna.
With Aetna, you will pay one annual fee instead of a monthly fee that comes with other discount dental plans.
Careington Dental also offers quality discount dental plans. They offer quality discount dental care to both individuals and businesses.
If you own a small business and are looking for a perk to offer your employees, the discount dental coverage offered by Careington is a great way to reward your employees with an added benefit.
This company also offers discounts for vision care, prescription medicine benefits, weight loss solutions, and much more.
Dentalplans.com is a fantastic website to help you find the best discount dental plans on the market.
With this website, you can quickly and easily search and compare a number of different discount dental plans that are offered around the country.
Dentalsave.com is another website offering quality discount dental insurance. With Dentalsave.com, you will have access to a number of plans that will depend on what type of dental work you need to have done.
They advertise that for only $10 a month, you could easily save up to 50% off of your dental bill.
Furthermore, if you decide to sign up for discount dental care with Dentalsave.com, you will also gain access to quality discounts for other areas of your health, including vision care, hearing aids, and prescription drugs, making this perhaps the best plan for senior citizens.
Humana also offers quality dental discount plans that can save you thousands of dollars over the long term.
With Humana discount dental plans, you are allowed to choose from any of the dentists that exist in their network.
While some discount dental insurance requires you to visit a primary care dentist, with Humana, you are free to choose the in-network dentist that is most appealing to you.
Furthermore, with these Humana plans, you also have absolutely no deductible or annual benefit maximum. With no waiting period, you can get the dental work you need done right away at an extremely discounted price.
Conclusion – The Best Dental Discount Plans for Your Long-Term Health Needs
Taking care of your teeth is obviously one of the most important parts of an overall healthy lifestyle. Trying to find affordable dental insurance, however, can be close to impossible. Discount dental plans offer an alternative that has allowed millions of people to get the dental work they need without having to worry about waiting periods, high premiums, or deductibles.
The small monthly fee that comes with the best dental discount plans will allow you to have access to a network of thousands of dentists around the country, and you should be able to see savings of anywhere between 10% and 60%.
Whether you’re a senior citizen, a college student, or a parent with four children, the best dental discount plans can help you find the best way to take care of your teeth without breaking the bank.
AdvisoryHQ (AHQ) Disclaimer:
Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.
Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.