Get benefits that help pay for dental costs such as routine checkups, cleanings, x-rays, sealants, filings, and more.
Dental insurance is a type of insurance plan that covers a portion of the costs of your dental care. Dental insurance can cover treatments from annual cleanings and minor oral health fixes to big-dollar dental claims for crowns and bridges.
Dental policies typically include benefits for 3 types of care:
The short answer is: Everyone. But it’s important to know that you don’t need a job to have dental insurance. Whether you need a longer-term dental plan or short-term dental insurance option to fill gaps in coverage, know that you have plenty of flexible options to choose from.
You can enroll for an individual dental plan, which works for a variety of scenarios including
You may be tempted to skip getting dental insurance, but the costs are well worth it.
Your dentist might see a small cavity that hasn’t become a nuisance quite yet, or spot the early stages of gum disease in your mouth. When dental problems are treated early on, they tend to be easier - and less expensive - to fix. That’s good for your smile and your wallet.
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Wondering where to enroll for dental insurance? The good news is you don’t have to go too far: You can quickly and easily compare dental plans through AgileHealthInsurance. Just submit your ZIP code, birthday, and gender to get instant dental plan quotes in your area.
Dental insurance is available as a standalone policy. Depending on your dental plan, you may have deductibles, coinsurance, copayment, and provider network restrictions. Your dental insurance policy’s benefits, limitations, and exclusions details should clearly specify your out-of-pocket costs and what procedures and services are covered.
There are 3 different types of dental insurance:
Dental insurance coverage varies from policy to policy. In general, most dental plans cover 100% of preventive care services (cleanings and routine exams), 80% of basic procedures (root canals and fillings), and 50% of major procedures (implants and crowns).
Dental insurance works like health insurance. You pay a monthly premium, and there’s a deductible and co-pay. After you’ve met your deductible, the insurance company will pay up to a certain amount while you will be responsible for the remaining coinsurance. Certain preventive services, such as a yearly cleaning, are typically provided at no additional cost. There are different kinds of dental insurance plans including: dental HMO, dental PPO, and dental indemnity plans. On most dental insurance plans there is a maximum expense amount which will be covered which typically ranges from $1000-2000.
Dental discount plans are different from dental insurance plans. With a dental discount plan, you pay a yearly fee typically around $100-150, and there are no deductible or co-pays involved. Instead you receive a discounted price for dental services, which can range 10-60% from the regular price.
Here are 3 reasons to enroll in dental insurance:
While the Affordable Care Act’s Health Insurance Marketplace offers dental coverage plans, they can only be purchased along with your health insurance plan during the yearly open enrollment period.
You can apply for an individual dental insurance plan outside of the open enrollment period through dental insurance carries. Or you can easily find, compare and purchase dental plans through sites like AgileHealthInsurance.
Yes, you can get dental insurance any time. There is no open enrollment period like there is for health insurance, so you can enroll in dental insurance any time of the year. Coverage typically starts within days of submitting your application.
Note: There may be a waiting period for major services, so it’s smart to review the dental plan policy to confirm the waiting and coverage periods.
You cannot add dental coverage via the ACA marketplace after open enrollment.
Instead, you’d have to wait until the following year’s open enrollment period to find a dental plan. The good news is you enroll to get dental insurance online year-round through dental insurance carriers and websites like AgileHealthInsurance.
Yes. You don’t need a job to have dental insurance. Not all employers offer dental insurance, but you can easily enroll to an individual dental insurance plan for yourself.
College students can also find good dental insurance plans as temporary solutions to keep their oral hygiene in check. If you’re a college student shopping for a dental insurance plan, check to make sure your individual plan meets your school’s insurance requirements. You should also ensure you can use your dental plan in the state where your school is located and your home state - to cover you during school breaks.
You can find and compare dental insurance plans through AgileHealthInsurance.com. You can also get dental insurance plans through the Health Insurance Marketplace, but they must be purchased along with your health plan during the yearly open enrollment period.
AgileHealthInsurance partners with established, reliable dental insurance companies across the country to offer you low-cost dental insurance plans. Get affordable dental insurance quotes today to keep your oral health in check.
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