Dental Insurance Houston
Compare Your Options for Dental Insurance in Houston, Texas
Oral health is very important for individuals and families. To ensure that you maintain yours, you need to make sure you have the right dental insurance plan. In Houston, Texas, the best dental plans for every budget can be found through MultipleHealthQuotes.com.
As you begin shopping for the right health insurance coverage, it’s important that you compare traditional dental insurance coverage and today’s discount dental plans.
Traditional dental insurance plans are usually available through your employer’s group dental health coverage, a group plan from a large association or an individual dental insurance policy. Employees save a lot from these plans because the employer shoulders all, or most, of the premiums for the dental plan. But more companies today are cutting back on health benefits to their employees, so there are more people going online to search for dental plan alternatives to complement their group insurance coverage.
An individual dental health plan usually costs around $35 per month. This is basic coverage for cleanings and fillings, root canals, exams, and orthodontics. There’s a maximum annual spending limit though you have a wide choice of premium rates and deductibles. There may also be deductibles to pay in addition to your premiums.
Traditional dental plans are also becoming less popular today because not all dentists accept the health insurance claim as payment. Sometimes a dentist will ask you to pay upfront so you’ll be the one to collect from your carrier. And some carriers set a maximum amount for payment for dental procedures. For example, a carrier may set a maximum amount for what they’ll pay for dental bonding, which may be much less than what your dentist will charge. Then you’ll have to pay the difference out-of-pocket, or find a dentist willing to charge a lower fee.
A discount dental plan is somewhat similar to joining a membership club. You pay an annual fee that provides you with access to dental care providers. The carrier than negotiates a discount rate for dental check-ups, cleanings, fillings, orthodontics, root canals, and other services with participating dentists. The dentists agree to be paid at these discounted rates for providing these services. You can see and compare these discount dental service prices when you purchase the plan.
Dental discount plans are ideal if you and your family don’t have dental health coverage from your employer. You can save anywhere from 10% to 60% of dental costs when you use the services of network dental providers.
Want to learn more? Get free quotes and compare plans online. In less than a minute, you can see for yourself which plans make the most sense for you.