Individual Dental Insurance - It's Real Insurance

"You've just found access to dozens of real honest-to-God dental insurance plans. You may qualify for insurance policies that will offer to you and your family..."

Benefits just like these...

  • NO CHARGE cleanings
  • FILLINGS covered at up to 80%
  • DEDUCTIBLES down to $0.00.
  • Freedom to use any dentist
  • Enough variety to meet anyone's insurance needs and,
  • Applications are being accepted today. You can see the many plans available to you now.

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 Meet the site owner Jim.
A licensed insurance agent for over 20 years.

You have just found the dental insurance jackpot. This is the place all of the people pushing dental discount plans don't want you to find.

We do also offer discount dental plans.

I am a licensed life and health agent and have been helping people with their insurance needs since 1988.

Straight up then. Get your quotes. No spam. Just plain ol' real Dental Insurance plus some discount plans mixed in so that you can easily compare.


#1 Symetra #2 Ameritas Group  
Preferred 42 Policy
Quality: excellent
Support: very good
Recommendation: Great for people with pre-existing conditions.

Progressive 1000
Quality: excellent
Support: excellent
Recommendation: Excellent for families with coverage for braces.

My Review:


In the first year you will have coverage for all typical x-rays including panoramic and bite-wings and simple extractions after a short waiting period. You will be reimbursed at the rate of 60% for the above items which represents a pretty decent savings for you.

Additional benefits include coverage for bridges, crowns, endodontics, dentures, oral surgery and other Type 3 Dental Benefits.

Your routine exams and cleaning of your teeth are covered at 100% during the second year so you'll be expected to cover these very basic and routine expenses yourself at first.

Is it available in your area? Is it available in your area?
My Review:


Fillings, x-rays and simple extractions are actually covered during the first year and with no waiting periods! The benefit is 50% the first year, 65% the second year and 80% the third year.

Additional benefits include those for oral surgery, endodontics, crowns, bridges. etc.

You have benefits for preventive dentistry after the first year of coverage. In the second year the policy pays 100%. Preventive dentistry includes routine exams, the cleaning of your teeth and topical application of flouride for children up to their 16th birthday.

 

Is it available in your area?

Why did I choose these policies to recommend?

Dental insurance policies nearly always include elimination periods or waiting periods which frequently make them useless to the average consumer looking for a financial break on their dental expenses.

While these three plans include variations on elimination and waiting periods, in every case these are reasonable exclusions which very likely make your purchase of any one of these insurance policies financially viable choices. Especially if you plan a long term relationship with the insurance company by keeping the policy for two or more years your savings will increase dramatically after the first year. Savings are significant in the first year but even greater in the following years of coverage.

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BAD BREATH (Halitosis) Lots of people have it and don't know it. Can be from poor mouth hygiene , to certain foods/spices and even gum disease. Important to see your dentist!

DIABETES If you have diabetes you really must take care of your teeth as this disease not only affects your body but your teeth and your gums. Important to get that dental check up.

ORAL HYGIENE Important for clean teeth, healthy gums and no bad breath. Are you brushing property and long enough - not 30 seconds but 2 minutes. See your dentist for proper techniques.

TOOTH SENSITIVITY Pain quite often when consuming something cold, hot, spicy or even breathing in cold air. Cause is usually due to part of the tooth nerve being exposed. See your dentist for treatment.

BAD BREATH CAUSES This can indicate any number of problems going on either in your mouth or your body. Your dentist can evaluate this problem.

75% PLUS people over 35 are estimated to have some form of gum disease. As gum disease leads to more and more serious problems you need to have your dentist check your gums.

TOOTH BRUSH Do you change your toothbrush every 3 months as recommended? Replace it after flu, sore throat, etc? You should as germs build up in them. Don't forget to let it dry out in between uses.

4.5 MILLION people are estimated to be wearing braces and/or other dental appliances to improve their teeth. Today's braces are more comfortable and less visible. See your dentist for suggestions.

SPACERS used when some children's teeth are lost prematurely. As these play an important part in the development of your child's teeth you need to have your dentist check your child if a tooth is lost prematurely.

CHILDHOOD CAVITIES There are so many effects from these that you need to start your child at an early age seeing a dentist regularly. Help your child be healthier by seeing a dentist at an early age.


GUMS Are your gums sensitive, red, swollen, bleeding. Any of these could be a sign of gum disease which should be treated by your dentist now.

ORAL HEALTH Good oral health is so important as it can tell you much about your body and what is going on healthwise from heart disease to diabetes, mouth cancer to even osteoporosis. So you really need a dental check up.

CANKER SORES Can be painful, very large and can spread. Also, may last a few weeks. If you are experiencing any of these you may want to see your dentist.


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