FIND THE BEST ONLINE DENTAL INSURANCE
Low Cost Dental Insurance - Affordable Dental Plans

On OnlineDentalInsurance.com we offer variety of dental insurance plans for individuals, couples and family to get directly.  In California we offer dental insurance as well as dental discount plans.  From low cost  HMO dental insurances plans  offer though Delta Dental, Prime Care, California Dental,   and United Health Care.  These are dental insurance plans that offer low monthly or annul cost. HMO dental plans are normally great for people that do not want waiting periods and need to find a plan that will fit into a lower income budget.

The same to be said about our dental discount plans we also offer in California. With dental discount plans you get discounted saving off all dental services render. They do not have any waiting period or yearly max limitations.  Like an HMO you do need to stay with in the plan network of dental providers but they are a great low cost dental plan option. If you wanting to review dental discount plans then check out our Careington, and Aetna .

However for people that want to have a free choice of dentist or are looking for dental plans where they can stay with there current dental provider then reviewing any of our dental PPO and Indemnity plans offer though Always Care, Nationwide, Madison National and StandardLife would be good plan choices to review. .

We continue to strive to add more dental insurance and dental plan options so that you have a wide choice of dental plan options and therefore you will hopefully find the best dental plan for your own dental needs.   Please do call our member services if you have any questions about the plans mention. They be happy to help you with any questions you may have.  Call 310-534-3444 CA time M-F 8-5.

Teething Symptoms.  First here are some signs that your baby is teething.  Drooling, wakefulness, being cranky more then normal, crying, biting and chewing. As well as having tender gums. Your baby may also be fussy when feeding. Over drooling my cause skin irritation around their mouth.

Teething gums may look swollen and red, you may see little white dots or small opining where the tooth is cutting though. Although your baby may get loose stools while teething look out for diarrhea and fever. Fever and diarrhea is not really a symptoms of teething, therefore should take you baby to the doctor for a check up since it is probably is not related to your baby teething.

Because medical benefits differ significantly from policy to policy, each patient should review their orthodontic insurance coverage. However, if a patient has orthodontic insurance, Invisalign Braces should be covered to the same extent as conventional braces. Most insurance companies cover most or all of the most of Invisalign, treating it as if you got traditional braces.

Invisalign treatment will consist of a series of clear plastic aligners that you change out approximately every two weeks. Each aligner is individually manufactured with exact calculations of your teeth. Since Invisalign system is custom made for your teeth and your teeth only, with a plan devised your dentist or orthodontist, you know you’ll end up with a smile that truly fits.

If your current dental insurance plan does not offer coverages for braces or Invisaligns you may want to review our different dental plan options.  We offer dental discount plans that offer saving for any type of braces for any age group.

It may seem surprising that many people do not have dental insurance.  Dental insurance benefits are not always offer though work so people do without until a major dental need arises.

The problem with waiting until you need dental insurance is that by then it can be to let to get the type of dental insurance  you want.  People find out too late in order to stay with their dentist they may need to get a dental PPO plan.

However most dental PPO plans have long term waiting periods, so when not bought early on you may not get the coverages you are looking for.   One thing I suggest is if you have a dentist that you do not wish to change find out what types of dental plans you would need  in order to stay with their dental office.

If you are with a dental office that only accepts PPO dental plans then you may want to think about getting a dental PPO plan now so you have a plan in place for your future dental needs whether it for preventive dental care or major dental care.

If you belong to a professional association, you might be eligible for a dental insurance or discount dental plan. Many associations partner with a PPO to provide their members with dental plans that offer very comprehensive insurance coverage at more affordable prices.

Dental schools may offer affordable dental services. Dental schools seem to be safe, but can be inconvenient and treatment for one problem may have to be addressed in multiple office visits. There are also dental clinics that are available.  Dental clinics are normally more affordable then going to a general dentist and they will some times adjust their cost depending on you ability to pay.

For anyone that would like a brighter smile but do not understand the limitations or risk of teeth whitening treatments, ask your dentist for teeth whitening brochures.  Most dental offices will have teeth whitening brochures that will go over the different options and risk each may have.

These brochures will explain the difference between home whitening kits and whitening treatment done at a dental office.  They  will discusses possible side effects and cases when bleaching is not advisable, as well as show before and after photos of teeth whiting services.

The best dental insurance policies offered will depend upon a family and its members’ oral health needs.  If the best dental insurance available is not offered through an employer or group health policy, then discount coverage should be researched.  The best dental insurance will be dependent upon employment, local dentists participating in programs, and current needs.  It will be one that fits your family’s needs and budget.  Finding the best dental insurance plan that fits your needs is an important part of ensuring that your teeth get the care they need to stay healthy.

You can obtain quotes for more affordable dental insurance plans from companies online and through your local insurance agent or broker. Please keep in mind that there are many web sites who give the appearance of selling dental insurance but instead only offer a dental discount plan which is not insurance.

On this web site you may note that we sell both dental insurance and dental discount plans in most state.  Leaving the plan options for the consumer but clearing showing what is and want is not dental insurance. Your dentist may also have affordable dental plan options available to patients.  Ask the receptionist if they partner with a dental plan company and see if one might be right for you.

Get your FREE prescription drug discount card  You can save from 10% to 85% on the cost of both brand name and generic prescriptions immediately.

There are no claim forms to fill out and no limits to the number of times you or your family can use the card. Drug discounts are available only at participating pharmacies. The Pharmacy Discount Program provides discounts for its members at certain participating pharmacies for drugs and other healthcare supplies. You can also save on smoking cessation aids and diabetes supplies. These savings are based on the fact that we have over 56,000 pharmacies processing millions of prescriptions annually.

Affordable dental insurance plans  are normally HMO. HMO dental insurance plans have a limited pool of dentist to select from, but it is normally a  more affordable dental insurance plan option. If you are self employed  or do not receive dental benefits from your employer and looking for a more affordable dental plan I would suggest reviewing the HMO dental insurance as your first plan option.

Question: I am new to having to shop for dental insurance.  I am 21 and never had good dental care when I was a child so now I am trying to get my teeth back into good shape.  I called a few dental PPO plans I was told about but they could not confirm price for dental services until after I buy the plan.  I was told that if I had ADA codes for the needed dental services I could get the true cost on individual dental plans.  Where do I get this ADA Codes.

Reply: You would need to get the ADA codes (service codes for each individual dental service) from a dentist. If you already seen a dentist and was told what you needed to have done, the that office should be able to give you the ADA codes for the services they are advising you to have done.

If you have not seen the dentist but want to know this information prior to buying dental insurance then see if you can find a dentist that will provide you with a free to low cost consult if so you will then be able to get the ADA codes from the dental office at the time they do the exam

According to the National Association of Dental Plans, approximately half of the U.S. population does not have an affordable dental plan. The cost for affordable dental insurance can vary. Therefore, it is important to understand all your options in obtaining the most affordable dental plan coverage.

The company where you work may provide the most affordable dental insurance plan options. Dental insurance plans for individual and families are usually an HMO (Health Maintenance Organization) or a PPO (Preferred Provided Organization) and operate much like traditional health insurance organizations.

Affordable dental insurance plans from an HMO have a limited pool of dentist to select, but it is a more affordable insurance plan. If you are self employed and looking for a more affordable dental plan, a discount dental plan may be an alternative.

Question: I am trying to help my mom find dental insurance that will be affordable for her my brother and I. My brother that is ten, needs to have some dental care done but it is very costly.  I told her I would look on line and see if I can find anything that she could get that will help make his dental cost much lower so she can afford to have it done.

Reply: For lower cost dental insurance plans I suggest reviewing our dental HMO options. As HMO plans will greatly reduce your total dental care cost at an affordable cost of the plan. Also these types of plans to not have any waiting periods for basic and major dental care needs. This would be important for your brother since he currently needs more then just a check up and cleaning.

To review all our dental insurance and plan options simply enter your zip code in the quote box provide. After reviewing the plans if you or your mom should have any questions please call our member service line at 310-534-3444 as they be happy to help you with all the plan options available to you.

Indemnity dental insurance is an insurance package where the policyholder can choose his or her own dentist and the insurance provider will be the one to pay that designated dentist your fees or, usually, around half of them. Indemnity Dental insurance plans pays the dental office (dentist) on a traditional fee-for-service basis.

There are several features of indemnity dental insurance plans for individuals that make these plans different from many other types of dental coverage: Insurance providers will pay up to 100% of preventative dental care.

Unlike a dental PPO plan where if you go outside the plan network of providers your coverage limits may change on an Indemnity Dental plan there is no plan network provider and your coverages are the same regardless of what dentist you may wish to see.     When reviewing an Indemnity Dental Insurance plan make sure you read the plan term and conditions because like a dental PPO these plans normally have waiting periods and annul dollar maximum limitations.

Question: My mom bought a dental plan thinking it was dental insurance from a website that stated they were selling dental insurance.  She called her order and was told it was insurance but when we got the plan and I reviewed it it clearly show as a dental discount plan.

That upset me a little because I feel she was missed lead. The problem is she does not even know where she bought it from and did not save the phone number to who she called.  I called the plan and they stated we could cancel and get a refund.

My mom did not want to cancel the plan since she wanted to see a dentist and therefore she choose to keep it.  I was wondering if this happens a lot?  It is the point of the matter and just wondering you do you speak to about this.

Reply: Well I could not speak about some other website that you do not recall.  However it is not surprising they may have offer a dental discount plan along with dental insurance options. You can see on this site we are offing both dental discount plans along with several dental insurance options. However our dental discount plans clearly say that they are discount plans where our insurance plans will clearly let you know if it is a HMO, PPO or Indemnity dental insurance plan.

As for why they would tell you it is insurance when it was a discount plan I do not know. You should be able to call the plan member service line to find out what agent you bought the plan though and they should be able to provide you their phone number.  It could be possible that there was some sort of miss understanding or lack of communication when your mom bought the plan.  I would think at this point though it is mute if in fact your mom is happy with it and dose not want to cancel it due to the fact that her dentist takes it.

Question: I in Washington just looking for a way to off set my dental care cost with out it being a costly plan. I also do not want any deductibles since I have good teeth I only have preventive care done so why buy dental insurance just for that and have to have a deductibles.  Are dental discount plans any good they seem to fit my needs but just wanted to confirm.

Answer: Dental discount plans are low cost plans that help you reduce your dental care needs just like what you are looking for.  You would want to make sure you have dental provider in the plan you are reviewing because there is no savings if you do not go to dentist that take the plan.  I suggest calling the dentist to confirm they still take the plan prior to buying it.  From what you are stating you want it should work well for you

Question: I notice that Delta dental offers a free choice of dental provider plan as well as a lower cost dental HMO plan.   I am just not sure which plan type is the best to get in the long run.  Which saves the most money on dental care services since it will be a plan I will be keeping for a few years.

Reply: That would really depend on you own dental care needs. There PPO/Free choice of dental provider plans are great if you are wanting to stay with a current dental provider that is not a provider their HMO plan. Theses plans do have waiting periods, yearly maximum limitations and a deductible that you need to be aware of when buy any PPO/Free choice of provider plan.

Their HMO is clearly lower in cost with no waiting periods, yearly maximum limitations and a deductible, yet you need to choose a dentist within the plan network. There are no benefits for dentist that are not in the plan network of providers.  So dental offices can be limited depending on where you live.

Question: When buying a dental PPO plan how do you know what your true cost for dental services really are?  I am looking at the many dental PPO plans available in CA since my dentist only takes PPOs. However the ones I see show that pay 50 percent of major dental services up to UCR.  Okay but how do I know the dentist is with in the company UCR fees if none of the plans I review shows what the amount is that they pay up too?  How do I make sure not to get hit with UCR charges?

Reply:  With PPO plans how to reduce your risk of not having UCR fees would be to see a dentist within your own zip code that is a plan provider.  That is not to say you will not have UCR fees but by going to a plan dentist in your own rated area you greatly duce your risk of UCR fees.  However with most PPO plans that pay by percentage they are all claims made so you do not know your cost until a claim is  processed.

You can submit dental services as a quote only prior to have any dental work started so that you know just how much the company is going to pay and what is the remaining balance that will be left to you.

Also you may want to review PPO plans like AlwaysCare.  Although they are a PPO they are one of the few that do pay by percentage but will tell you what they pay toward a given service.

Supplemental dental insurance is an individual or family insurance policy purchased to cover a portion of the dental costs. Supplemental dental insurance will normally not cover the entire dental care procedure, but will help to off set your cost when combining it with dental insurance.

According to the National Association of Dental Plans, approximately half of the U.S. population does not have an affordable dental plan. The cost for affordable dental insurance can vary. Therefore, it is important to understand all your options in obtaining the most affordable dental plan coverage.

The company where you work may provide the most affordable dental insurance plan options. Dental insurance plans for individual and families are usually an HMO (Health Maintenance Organization) or a PPO (Preferred Provided Organization) and operate much like traditional health insurance organizations.

Affordable dental insurance plans from an HMO have a limited pool of dentist to select, but it is a more affordable insurance plan. If you are self employed and looking for a more affordable dental plan, a discount dental plan may be an alternative.