A lot of us out there have heard of medical health insurance which is quite a common term, but how many can claim that they have heard of dental care insurance and are aware of what the term really means? Dental insurance is similar to healthcare insurance, but is specific for visits to the dentist. Just like medical insurance, dental insurance policy holders pay a specific premium to the health insurance companies that provide the dental insurance coverage according to terms and conditions of the agreement signed between both parties. If you exceed the amount agreed upon in terms of coverage limit, you would need to fork out the extra from your own pocket, just like common medical insurance policies.

Having defined what dental insurance is, let us look at what this type of health insurance plans cover. Take note that your coverage varies in accordance to the amount of premium that you pay, as well as the according to the company that provides the coverage. Dental insurance plans normally cover yearly professional dental cleaning that removed tartar and plaque that are not removable through normal brushing. Through these regular cleaning sessions, the dentist would also be able to identify any problem within your teeth in the early stages during cleaning sessions. The policies also cover the costs of fillings and crowns for your teeth, if they are required. In the case of chips or cavities, treatments for these situations are also covered in a basic dental coverage policy.

Generally, dental insurance plans cover non-cosmetic oral operations as well as emergency tooth replacements. Surgery is an important part of dental care, as the more serious tooth or gum complications normally need surgery-based solutions, thus it is imperative that this is covered in the policy. Emergency tooth replacements are covered in the case of an accident or an injury that may cause you to lose a tooth or two. In most cases, dental X-rays are also included as part of the policy.

There are many health insurance companies today that offer dental-care insurance plans, thus explore your options and choose carefully when you decide to take up one of these plans. With rising costs of dental treatment nowadays, it is extremely crucial that you undertake this option to safeguard the condition of your teeth for many years to come.


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Dental insurance is not an individual health plan, in fact, it only serves as a supplement to basic health care. By having such plan, one can seek for treatment at a discounted rate or to get partial reimbursement. Generally, this plan acts as an ease of burden to the expensive expenses. However, what are the facts about dental insurance that you should know?

Fact 1 - Not "All-in-one" plan

It is not an all-in-one plan where it covers for all type of treatments. You should study the insurance products carefully before you decide which type of plan that suit you most. Some insurance provider only provide coverage on basic treatment such as yearly check up or teeth cleaning and some only provider coverage on major procedure such as root canal treatment, implant and surgery or tooth extraction.

Fact 2 - Limited choice of dentists

There are 2 types of plans which you need to take note of - Preferred provider Organizations (PPO) and Health Maintenance Organizations (HMO) plan. A PPO plan allowed you can choose your preferred dentist from a wide selection of dentist providers, on the other hand, a HMO plan only allowed you to choose your dentist provider from a limited dentist network provider. In fact, you have to choose your preferred dentist from the list of provider provided by the respective insurance providers.

Fact 3 - Limited coverage or benefits

The purpose of this insurance is to reduce the expensive costs of treatment. However, you do not receive much benefits out of it, but only to get a partial reimbursement or discount from the expenses you spent. For example, some insurance providers only reimburse 1000 dollars limit for dental treatment on yearly basis and this limit is to be renewed each year. Once you have utilized the benefit of 1000 dollars for this current year, you are not allowed to claim for this current year anymore.

Fact 4 - Not all insurance providers provide dental coverage

This type of insurance plan is considered a niche market in insurance industry, thus not all insurance company cover for such treatment and expenses.


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The global economy is improving, but if like me, you feel that your own economy is not moving as fast as you hoped for, then like me, you too are looking for cheaper solutions to your daily necessities. In my quest for cheaper stuff, I have found out that there are several benefits in choosing a dental plan over a dental insurance.

1. Easier application procedures.

You will only need to pay a membership fee and fill out a simple form. You will not need to undergo a dental interview, saving you a considerable amount of time. As long as you can pay the monthly or yearly fees, you will be covered even though you do not qualify for dental insurance.

2. Less disagreement over costs

When you have a dental plan, you will know how much you will save and how much things should cost. This will save you a lot of time when you put in a claim. If you have dental insurance, your insurers might not reimburse you as much as you would like and you will have to go through all the trouble of submitting forms after forms and claims after claims just to get what you think you deserve or are entitled for.

3. A lot of saving

Last but not least, you save money. When you have a dental plan, your plan company will convince the dentist to charge lower fees for patients who are referred to by them and you will be given a list of dentists that are recommended by the plan company.



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Full blown dental insurance is often not necessary for certain individuals. If you are between the ages of twenty and forty five, and are currently living with good dental health, traditional dental insurance could be an unnecessary expense for you because there is another option open to you. There are discounted dental plans out there that will cost you very little out of pocket but will greatly reduce the cost of any dental procedures you may have to have performed. These discount plans are all over the place and finding a quality yet cheap dental plan can be a little tough. Below is a list of the three features you should ensure the discount dental plan you choose has.

1) Large list of participating dentists. Not only is having a lot of choices in which dentist to visit convenient, it also shows you that the plan itself is a good one. Reputable dentists will only participate in reputable plans and you can rest assured that a plan is of high quality if there are a lot of dentists within the network.

2) Good percentage discounts. Look for a plan that offers you discounts as high as 70% off the regular price and no lower than 40% off for any procedure that is not considered cosmetic. Rarely, if ever, will cosmetic dentistry procedures like veneers or teeth whitening be included on any dental plan.

3) Look for annual fees versus monthly fees. Usually if a plan charges you a monthly fee, it works out to be more expensive than those that charge annually. When reviewing the amount of the membership fee keep in mind that there are quality plans in most states that cost less than $80 a year. In some states, there are plans that run as little as $20 annually. Don't overpay.


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Dental insurance usually takes a backseat to health insurance, especially for the growing number of people who are struggling to pay for either. This is understandable since, generally speaking, having health insurance is more important. However, living without a dental plan can be awful as well. Not only can ignoring dental problems because treatment is unaffordable cause serious health issues, it can also cause you to live in constant pain. If you are one of the millions of people without dental coverage, it is worth your time to investigate whether or not you qualify for one of several free dental insurance sources. Below is a list of channels to investigate.

1) Government programs. There are some state and federal programs out there that provide free dental plans for those who can't afford it. In order to qualify for these programs, your income level must fall under a certain line and you must meet other requirements as well. Often, certain government funded programs are in place to specifically help a select group of people, like senior citizens, single mothers, etc. The number of programs available and the specifics of them vary state by state. In order to learn what specific programs may be available to you, contact your state health department.

2) Student dental insurance. If you are a college student taking enough credits to qualify as a full time student, and your parents no longer claim you as a dependant, you will most likely qualify for dental coverage that is designed specifically for students. Contact the health department of the college you are attending for specific program options.

3) Military veteran benefits. There are many federally funded programs for ex military members that may work out to be free, or at the very least of minimal out of pocket cost to you. Many of these programs extend to family members of the veteran so even if you personally have never served, you may still qualify. Surprisingly, these benefit s can often be offered to those who aren't even immediate family members of the veteran.


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