These dental schools either offer discounts or provide free dental services in order to get patients they can practice on. While they do all sorts of different procedures, it’s probably best to go to them for more routine care like cleanings, check ups, x-rays, and small cavities. If you have a more complex procedure to get done, you might better off going to an expert instead.
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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
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More Midwest News Excess and Surplus But for many, the perceived high cost of dental insurance is one of the key factors that is keeping them from getting a policy. Luckily, there are a number of different options for people at different price points. According to the National Association of Dental Plans, the average annual cost of coverage in 2009 (the most recent year the survey was conducted) for a dental HMO plan was around $225 per year for an individual or $445 per family, the cost of a dental PPO plan averaged around $285 for an individual and $866 per family, and indemnity plans cost an average of $288 for an individual and $666 for a family.
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Keep in mind there’s always a possibility you may need a procedure you don’t anticipate—and it may not be covered by your policy. The higher your premium, the more likely you are to have coverage for more extensive work. Your dentist will often tell you (or you can ask) which procedures you’re likely to need down the line.
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If you're wondering whether you will have to pay higher premiums if you’re a smoker, the bad news is that you will. Most companies will charge a surcharge to those who have smoked any time within the last five years.
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Get a quote Retrieve a saved quote For years, we’ve continued to grow thanks to our loyal members and insureds. As an auto insurance policyholder, you could receive money back just for insuring through the Auto Club. While these dividends are not guaranteed, and the amount may vary, they have been paid for more than 20 years.
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To learn more about dental insurance – and alternative options designed to make dental care more affordable – please visit the Dental Information Center.
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Family:None The different types and how they compare.