No one looks forward to a dentist’s appointment, but it’s a lot easier to go if you have insurance. The benefits plan you select should cover preventive, basic and major services at an affordable monthly price. Our partners at ConsumerAffairs researched the best dental insurance in West Palm Beach for your oral and financial health.
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Going to the dentist regularly for exams and cleanings is essential for your gums, teeth and overall health. But about 1 in 4 Americans lacks dental benefits. Research shows these individuals are less likely to schedule an appointment and get necessary dental care.
If you don’t have dental benefits through an employer or a public program, there are still private plan options in South Florida that will lower your out-of-pocket costs at high-quality dentists in West Palm Beach.
Dental insurance works similarly to health insurance in many ways. It puts a heavy emphasis on preventive care, covering these services at 100 percent or close to it, so you get checkups often and catch problems before needing more complicated and expensive procedures and treatments.
If you do end up needing so-called basic services (e.g., fillings, simple extractions, emergency pain relief) or major services (e.g., crowns, implants, dentures), you typically make a fixed payment (copayment) or pay a percentage of the cost of service (coinsurance), and the insurance company pays the rest. Many plans have a deductible before coverage kicks in.
Types of dental insurance in West Palm Beach
Preferred provider organization (PPO)
Balances price and provider choice; in-network dentists have lower costs; a deductible and coinsurance apply to basic and major services; includes an annual maximum benefit
Health maintenance organization (HMO)
Least expensive; benefits only apply to in-network dentists; copayments apply to basic and major services
Indemnity or fee-for-service
Most expensive; freedom to choose any dentist; a deductible and coinsurance apply to basic and major services; includes an annual maximum benefit
Most dental insurance in West Palm Beach has waiting periods of six to 12 months for basic and major services, so you shouldn’t wait until you need coverage before purchasing a plan.
Some policies may not have waiting periods, or you can consider dental savings plans in West Palm Beach as an alternative. You pay a monthly or annual fee and get discounts from a large network of dentists. There are no waiting periods, no deductibles and no annual caps, but you are responsible for 100 percent of the discounted cost of services.
Cost of dental insurance in West Palm Beach
The cost of dental insurance in West Palm Beach depends on your age, tobacco habits and the type of plan you select. Policies are available to cover individuals, spouses and children.
Individual dental insurance in West Palm Beach costs anywhere from $15 - $60 per month. A family of four will pay $45 - $200.
Dental savings plans in West Palm Beach begin around $100 per year for an individual and $150 for a family.
Compare different dental insurance and dental savings plans before deciding on a purchase. Read over the fine print for exclusions and limitations. Try to forecast dental needs over the coming year so you make the cost-effective choice for your circumstances.
With a dental savings plan from 1Dental.com, you save 15 - 60 percent at hundreds of dentists in West Palm Beach. There are no restrictions on pre-existing conditions, and plans are immediately available for use. Discounts extend to orthodontics and even eyewear and contact lenses. Try membership out risk-free for 30 days. Customers say representatives at 1Dental.com are helpful with sign-up.
DentalPlans.com has provided over 1 million customers with dental savings plans since 1999. West Palm Beach shoppers can choose from multiple plans and start saving 10 - 60 percent at over 100,000 dentists across the U.S. Reviewers like how easy it is to enroll and say they are getting significant discounts in South Florida.
United Healthcare, a leading health insurer in the U.S., also offers stand-alone dental coverage. Plans for all needs and budgets are available and include no deductible or waiting period for preventive care. Basic and major services are covered, and policyholders can add a vision benefit. Members like the 100 percent coverage for exams and cleanings, but some are dissatisfied with claims denials.
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