All About Dental Health Insurance Plans

Dental health insurance plans are a mixed bunch.

By that I mean there are a lot of different types of dental payment plans, some of which offer full coverage dental insurance. It can be a complicated and confusing issue!


But first of all, you may be wondering if you need insurance at all.

Why bother with any of the dental health insurance plans? What are the alternatives? That's a good question. Let's take a look at some of the most common reasons for getting some sort of dental insurance.


Dental Health Insurance Plans

The first reason is so that you can get regular check-ups and dental hygienist treatment. There is a lot of research that shows that people who get regular check-ups and see a dental hygienist every six months usually have better teeth and gums.

Most types of dental health insurance plans will cover check-ups every 6 months. They know that people with healthy teeth and gums are less likely to make expensive claims for major treatment! Some will even pay for a check-up immediately after you join the plan.

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The second reason for having dental insurance is the risk you run of needing more complicated dental treatment, such as crowns, bridges, root canal work or getting wisdom teeth removed.

These procedures can be quite expensive, especially if you need several things doing at once!

Depending on the level of cover specified in your dental payment plan, they will generally pay at least a percentage of the charges related to your dental care.

The third reason is your kids' teeth. Children can sometimes need quite a bit of dental treatment, including orthodontic braces. Some sort of dental insurance plan is one way to protect yourself against unexpected costs of dental treatment that your kids may need.

Dental health insurance plans can cover your entire family

You will normally benefit in the long term from your dental health insurance plan,  providing you take advantage of all the treatment you are entitled to!

You have to remember that insurance companies are in business to make a profit, like any company. That means that they have to take in more money through your insurance premiums than they hand out for dental treatment.

Most people regard dental insurance as being expensive, but, if you DO have dental insurance, and you use all the benefits that you are entitled to, you are actually getting a good deal!

But most people don't visit a dentist regularly. They only go when they have problems. They are not getting all the benefits that they are entitled to.

So, what types of dental health insurance plans are there?

In the U.S.A., there are basically 5 types of dental health insurance plan;

Let's look more closely at discounted dental plans.

If your family doesn’t have a family dental health insurance plan, you’re not alone. About 132 million people in America are in the same position.

The relatively high cost of conventional dental health insurance plans, especially in the current uncertain economic climate, puts a lot of people off buying into a dental plan. Paying the monthly premium isn’t the only issue.

Normal dental health insurance plans may have a long waiting period before you can get treatment, you may have to pay significant amounts of money to bridge the gap between the dentist's own fees and what the insurance plan pays; there might be a limit on the maximum amount that you can claim per year, limitations on what types of treatment you can get, and some types of dental treatment can be totally excluded.

I think that discount dental plans are a realistic alternative to conventional dental insurance.

The plans offered at are discount programs that help to make dental care more affordable and accessible. You can get any type of dental treatment, but at a discounted rate! So there are no forms to fill out, you don't need to work out what your co-payments might be, and you don't have to worry about hitting an annual limit.


Discount dental plans start from around $90 per year for a single person, and are easy and convenient alternatives to conventional dental health insurance plans. You just take your card with you to the dentist, and get a discounted rate on all your dental care! Discount dental plans for families start from something like $150 per year.

In the United Kingdom, the biggest dental plan is Denplan. Denplan has about 6,500 registered dentists and provides care for nearly two million patients.

Denplan works in a similar way to american DHMO dental health insurance plans. The patient pays a set amount of money each month, and in return receives basic dental care free of charge, with reduced fees for more complicated or expensive items of treatment. For more information, take a look at Denplan

To find out more about discount dental plans in America, visit Affordable Plans