IndividualdentalinsuranceMaryland.com

Maryland affordable low cost individual dental insurance plans


Maryland Dental Insurance Plans

 

Family Dental Insurance Plans in Maryland, Maryland Dental Plans for Families, Maryland Individual Discount Dental Plans, Maryland Dentists

We quote the major Maryland Dental Insurance Companies:
Delta Dental, Multiflex, DeltaCare, Indemnity Dental Plans.

 

Individual Dental Insurance Coverage in Maryland 

Dental insurance plans that are designed to cover patient's dental treatment costs come in two forms-individual dental insurance and group dental insurance.  You should try to get quotes from the different dental insurance providers for your individual dental insurance.  Individual dental insurance for Maryland is designed to cover both the policyholder and their family. 
  • It makes sense to get coverage for the entire family because regular dental check-ups are usually covered by plans, and this preventive measure can eliminate chances of complications to a large extent. Good family dental insurance in Maryland includes preventative care twice per calendar year, bite-wing X-rays once per year and a fluoride treatment at each visit for children.

Depending upon the dental insurance company chosen, there may be a waiting period for some services. Other dental insurance plans in Maryland do not cover these services or provide minimal coverage.   However, immediate coverage is available for all dental services and is provided immediately with no waiting period which also includes braces depending on the dental plan you choose.

Affordable dental insurance in Maryland will improve the smile on the teenagers and the total health of the adults in any family with our special braces coverage and Invisalign coverage. 

Invisalign is a new type of clear braces which is covered under our dental plans. Orthodontia is available in most of our dental plans.

Preventative dental services include exams, x-rays, cleanings and fluoride treatments.  Preventative dental treatments assists in keeping dental cost lower since it will detect minor dental problems which if undetected could become more severe and costly.  Most of our dental plans has coverage for preventative services such as exams, x-rays, cleanings and fluoride treatments.
 
Shop around for low cost dental insurance in MD that keeps out of pocket expenses low.  Maryland families need balanced dental insurance coverage in Maryland that helps with overall health care costs.  Maryland dental costs are expensive, and providing routine exams and low cost service co pays means getting the right dental plan for you.  Individual dental insurance plans for Maryland differ in the level of reimbursement offered for certain procedures and in annual dental spending caps.  Be informed by reading your dental insurance coverage prior to the purchase of your dental insurance policy.

  • Our Maryland dental insurance can offer major dental service coverage to you as well as your family against dental expenses such as oral surgery, and other major expensed related to dental care. This information is in the coverage when you get your online quote.
     
  • Also offering vision and prescription coverage programs for individuals, families and groups.

Our website can help you find the best dental insurance coverage in Maryland, but for the best option, call us today and let us show you how to save you a tremendous amount of money.  These multiple quotes will help you to zero in on the policy that might be the right individual dental insurance for you needs.  

PPO Dental Plans vs. HMO Dental Plans

Our intelligent matching process will help you compare multiple dental and vision insurance so you can evaluate their products, pricing, support, and professionalism.  At minimum, individual with the proper dental plans in place will have the opportunity to receive adequate and regular dental care and emergency care and such care will be far more affordable than without a policy in place. Dental insurance plans for individuals and families are usually an HMO (Health Maintenance Organization) or PPO (Preferred Provider Organization) and operate like traditional health insurance organizations.

If you're looking for a dental PPO plan, this one is low-cost and provides coverage for preventive care, such as cleanings and X-rays, and offers discounts on basic and major services.  Based on this alone, one can say that if you choose to get PPO dental plans, you have the freedom to choose the dentist that you want.  Dental insurance plans from an HMO have a limited pool of dentists that patients can choose from, but it’s less expensive than a PPO, usually less than $150 a year. 

Discount Dental Plans in Maryland

Discount Dental Plans are dental service providers who offer dental services at a discount and is not true dental insurance which is not regulated by the Maryland Department of Insurance. Discount dental plans are not dental insurance, but they do reduce the cost of dental visits while allowing a great deal of freedom to choose your dental health service provider.

When choosing Maryland dental insurance, you can go for discount dental plans. The good news is, with the help of your dentist, we can help you determine which Maryland Dental Insurance or discount dental plan is the best.  They simply provide a discount when you use providers who agree to accept the card so you are limited in that way.  Participating providers in the cheap dental plan we offer have agreed to accept a discounted fee as payment-in-full for services performed.   As a cheap dental plan member, you simply show your membership card when visiting any participating cheap dental plan provider to receive dental services at discounted fees.

Dental discount plans are much cheaper than traditional dental insurance: usually under $100 a year, and also offer almost equal coverage for all dental work, even cosmetic procedures not covered by standard indemnity dental plans. Our dental health care plan is a discounted fee for service plan (not dental insurance) giving you the following benefits:

Dental Plan Benefits Available Immediately NO Claim Forms to fill out, NO Waiting Period, NO Age Limit, Guaranteed Pricing: know your actual cost and/or % discount before the visit.  Self employed who are looking for Maryland Individual Dental Insurance Companies might enjoy a discount dental plan. You can get an individual dental insurance or savings plan that is right for you and your family.  Even if you already have family dental insurance or an individual dental insurance plan, the discounts offered by our discount dental plans may be used along with your insurance dental plans for even more dental care savings.  Choose from a wide selection of family and individual dental insurance plans.  

This website offers the cost comparison and coverage comparison for both dental discount plans and dental indemnity insurance plans.  By putting your five digit zip code, you can receive your instant cost comparison, and our professional insurance agents will be waiting to assist you.

How to obtain Dental Insurance Coverage

Working with a traditional health insurance agent may help you compare dental insurance in Maryland pricing and costs.  Learn more about Maryland Individual Dental Insurance Companies and alternatives to traditional insurance at this website.  We provide many different Maryland health insurance plans.  Remember, buying individual dental insurance for Maryland does not have to be a painful process.  It is our pledge to provide individuals and families with the easiest way to compare and purchase affordable, quality family and individual dental insurance and discount protection.   

The fastest and easiest way to compare dental insurance plans is just at the touch of a button on your computer. Get  your cheapest and fastest way to order Individual Dental Health Insurance in Maryland right from your seat.  With this website, an instant dental insurance quote can be provided with no obligation, and our friendly insurance agents with be waiting for your call to assist you with any questions that you may have.  Please put your five digit zip code in the box indicating zip code and press enter and an instant insurance quote will appear providing a cost comparison, rate comparison and coverage comparison with various types of insurance plans. 

Once you join, simply print out your plan membership card and visit a participating Maryland dentist to save on many dental health care services including teeth cleanings, dental checkups, fillings, root canals, crowns, braces and even cosmetic dentistry on select plans.  To find more resources about Maryland Dental Insurance and find quotes for other types of Maryland health insurance, please visit our Maryland Health Insurance Coverage section.
 
Instant Dental Insurance Quotes

It will not take days to get a quote on dental insurance in Maryland.  Contact us today for a quote on Maryland dental insurance, and we'll be glad to help you. 
 
Online Dental Insurance Quotes

Dental insurance plans in Maryland are available through a variety of sources. In addition to online dental insurance quotes, you may receive quotes direct from agents from top companies.  Compare Maryland health plans side by side, get health insurance quotes, apply online and find affordable health insurance today.  We have established relationships with over 160 health and dental insurance plans and can offer several health and dental insurance products online.

 

Individual Dental Insurance Maryland

Many companies offer the best individual dental insurance in Maryland but it can become time consuming and frustrating trying to get the right individual dental insurance to fit your needs and budget. Whether you’re looking for individual dental insurance in Maryland or a family policy IndividualDentalInsuranceMaryland.com has the right plan for you.  

This article should provide useful information in assisting with your dental insurance needs. Maryland dental insurance policies give subscribers lots of options online.   Individual dental insurance plans are very similar to standard health insurance plans in that they include HMO, PPO and indemnity options.  A description of these terms is provided in our coverage section of this article provided below.

  • Often times, individuals and families even opt to supplement their existing employer-provided group health insurance plan with an individual dental insurance plan.  Supplement dental insurance is useful in obtaining a broad spectrum of coverage. Dental insurance plans in Maryland include both preventative visits, as well as restorative care.
     
  • Preventative dental treatments are the key to obtaining optimum dental health.  Most dental insurance plans contain preventative coverage which would be for dental exams, cleaning, x-rays and fluoride treatments. Good family and individual dental insurance in Maryland includes preventative care twice per calendar year, bite-wing X-rays once per year and a fluoride treatment at each visit for children.  Look for affordable dental insurance in Maryland offering the best plan for the best price.  

However, this website offers dental plan coverage, benefits, and payment options to fit the needs of most consumers.  To get your quote and/or coverage today, just provide your zip code in the box where it indicates zip code and an instant insurance quote will appear with the rates and coverage options.  Also, friendly, qualified staff will be here to assist you. 

Individual Dental Insurance Maryland Coverage

Individual dental insurance plans are very similar to standard health insurance plans in that they include HMO, PPO and indemnity options.   Be aware of the type of dental  policy you choose since you may have restrictions on your choice of dentists.  If you do not a preference of a dentist, than you can same money on choosing a plan where you choose from a list of dentists the dental plan offers. 

However, if you have a preference of a dentist, you may want to choose an indemnity plan that offers that option.  Affordable dental plans also include discount dental plans which in which you pay an amount which is annual fee and you gain access to all the dentists of the area at a discounted price.  Most dental insurance plans covers for exams, x-rays, cleanings,  fillings, and crowns.  To find the coverage and price to fit your budget, please place your zip code in the box that indicates zip code for an instant quote with no obligation.


Individual Dental Insurance Maryland Cost

Costs of any kind of dental procedures is quite high, insurance would make it affordable to you.  Get quotes from multiple health insurance providers to compare costs and maximize your savings.  Compare rates from our major insurance providers to find low cost medical plans on group or individual medical insurance.  You would know this if you have experienced or paid the high costs involved in the dental procedures. 

  • A visit to a dentist in America costs a lot even for regular check ups, cost of any dental procedures if required is much more.  You can also find some low cost dental insurance in Maryland but do check out the kind of coverage you are getting for it.  Dental insurance does not have to cost a lot there are a lot of inexpensive dental insurance plans available to suit individual needs. 

To obtain the cost of dental insurance in Maryland, please provide your zip code where indicated and an instant no obligation quote will be provided.  Our rates start as low as $9.95 a month.  Our website with display many dental plans and payment options for your choice, and our friendly staff is waiting to be of your assistance if you have any questions regarding coverage and payments options.

or Select a city in Maryland to Find a Dentist and Dental Plans.
 Our Maryland Dentist Referral and Dentist Search
provides you with the best Individual Maryland Dental Insurance Plans
.

Traditional Maryland dental insurance is often perceived as the best way to pay for dental expenses. And while dental insurance is an excellent option when sponsored by your employer, it may not be very cost effective when you are paying for it.

Most individual dental insurance plans require you to satisfy waiting periods and deductibles before having major and sometimes even minor restorative work done. Discount dental plans help make maintaining good oral health a lot more affordable. And, with no waiting periods or complicated coverage procedures, dental discount plans are about as simple as you can get.

How do discount dental plans work? As we become aware about our oral health, there has been a demand for affordable dental care. Discount dental plans are the newest option for those without coverage. These dental discount plans are much cheaper than traditional dental insurance, and also offer almost equal coverage for all dental work, even cosmetic procedures not covered by standard indemnity dental plans.

The catch is that dental discount plans are not really insurance at all. They work more like club memberships, where the cost of membership (your "premium") earns a steep discount on any club service (dental work) you buy. The discount normally applies to all dental office services performed by an approved "plan" dentist, but no procedure is covered completely.

What are the ins and outs of discount dental plans? When it comes to dental discount plans, the good news is afford ability, breadth of services, and immediate coverage. The bad news is greater financial risk and responsibility on your part.

Although the monthly cost of most discount dental plans is very low compared to the price of a traditional dental insurance or indemnity insurance policy, there's more allover financial risk with a dental discount plan. No care is totally covered, so an expensive procedure will mean a big out-of-pocket expense, even with the dental plan. And even when undergoing a low-cost service (like cleaning), you'll still be expected to pick up a part of the cost.

However, on the plus side, discount dental plans are effective immediately - so are many procedures you need now will be covered as soon as you buy the dental discount plan. Traditional indemnity and/or insurance dental plans usually impose a waiting period of between 6 and 18 months for any major procedure. The last "pro" is that all good dental discount plans should come with a money-back guarantee.

Maryland Indemnity Plans

This type of dental plan pays the dental office (dentist) on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses the dental office (dentist) for the services rendered. An insurance company usually pays between 50% - 80% of the dental office (dentist) fees for a covered procedures; the remaining 20% - 50% is paid by the client.

These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity plans also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules. Some typical features of these plans:

  • High deductibles before coverage begins (well-designed plans don't apply the deductible to preventive services)

  • Probationary periods on certain procedures that last up to a year

  • Annual dollar limit on benefits

  • Chose your own dentist

  • Your average monthly cost: $15 to $25

  • Companies selling these plans are regulated by state insurance departments.

Dental HMOs

These insurance plans, also known as "capitation plans," operate like their medical HMO cousins. This type of dental plan provides a comprehensive dental care to enrolled patients through designated provider office (dentist). A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. The dentist is paid on a per capita (per person) basis rather than for actual treatment provided.

Participating dentists receive a fixes monthly fee based on the number of patients assigned to the office. In addition to premiums, client co-payments may be required for each visit. Some typical features of these plans:

  • Monthly premiums (some require you to prepay a year's worth)

  • Co-payments for office visits

  • Free preventive or routine care

  • You must select from an approved network of dentists

  • May have an initial enrollment fee

  • Annual dollar cap

  • Your average monthly cost: $5 to $15

  • Companies selling these plans are regulated by state insurance departments.

Preferred Provider Organizations

Another true insurance plan, a Preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined panel of dentists. The participating dentist agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser.

If the patient chooses to see a dentist who is not designated as a "preferred provider," that patient may be required to pay a greater share of the fee-for-service.  A group of dentists agrees to provide services at a deeply discounted rate, giving you substantial savings — as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:

  • Monthly premiums

  • Annual dollar cap

  • You must stay within the approved network of dentists or pay higher deductibles and co-payments

  • Your average monthly cost: $20-25

  • Companies selling these plans are regulated by state insurance departments.

Dental Discount

This type of dental plan is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 70%) off the regular ADA pricing code.

This plan has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive immediate coverage for work without meeting any waiting period requirements.

Direct Reimbursement Plans

A dental care plan now coming into vogue is the direct reimbursement plan. This is a self-funded benefit plan — not insurance — in which an employer pays for dental care with its own funds, rather than paying premiums to an insurance company or third-party administrator.

You, the patient, pay the full amount directly to the dentist, then get a receipt detailing services rendered and the cost, which you show to your employer. The employer reimburses you for part or all of the dental costs, depending on your specific benefits.

Your company might reimburse 100 percent of your first $100 of dental expenses and then 80 percent of the next $500, and 50 percent of the next $2,000, with a total annual maximum benefit of $1,500. Or it might reimburse only 50 percent of your first $1,000, resulting in a $500 yearly cap.

Some typical features of a direct reimbursement plan:

  • Neither you nor your employer pay monthly premiums

  • Freedom to choose any dentist

  • Typical employer cost: depends on the number of employees and benefit caps

  • Benefits usually capped at $500 to $2,000 annually.

Dental care is quite different than medical care. Major illness can strike at any time and the costs can be enormous. Most dental disease is preventable and treatment is predictable. Regular checkups and professional cleaning can help maintain your oral health and so dental benefits are written to encourage patients to seek preventative care in order to prevent more serious dental problems.

What do you look for in choosing a plan?

Does the plan give you the freedom to choose your own dentist or are you restricted to a panel of dentists selected by the insurance company? If you have a family dentist with whom you are satisfied, consider the effects changing dentists will have on the quality or quantity of care you receive. Because regular visits to the dentist reduce the likelihood of developing serious dental disease, it's best to have and maintain an established relationship with a dentist you trust

Who controls treatment decisions--you and your dentist or the dental plan? Many plans require dentists to follow treatment plans that rely on a Least Expensive Alternative Treatment (LEAT) approach. If there are multiple treatment options for a specific condition, the plan will pay for the less expensive treatment option.

If you choose a treatment option that may better suit your individual needs and your long-term oral health, you will be responsible for paying the difference in costs. It's important to know who makes the treatment decisions under your plan. These cost control measures may have an impact on the quality of care you'll receive.

Does the plan cover diagnostic, preventive and emergency services? If so, to what extent? Most dental plans provide coverage for selected diagnostic services, preventive care and emergency treatment that are basic for maintaining good oral health.

But the extent or frequency of the services covered by some plans may be limited. Depending upon your individual oral health needs, you may be required to pay the dentist directly for a portion of this basic care. Find out how much treatment is allowed in any given year without cost to you, and how much you will have to pay for yourself.

  • Initial Oral Examination----once per dentist

  • Recall Examinations----twice per year

  • Complete x-ray survey----once every three years

  • Cavity-detecting bite-wing x-rays----once per year

  • Prophylaxis or teeth cleaning----twice per year

  • Topical Fluoride treatment----twice per year

  • Sealants----for those under age 18

What routine corrective treatment is covered by the dental plan? What share of the costs will be yours? While preventive care lessens the risk of serious dental disease, additional treatment may be required to ensure optimal health. A broad range of treatment can be defined as routine. Most plans cover 70 percent to 80 percent of such treatment. Patients are responsible for the remaining costs. Examples of routine care include:

  • Restorative care - amalgam and composite resin fillings and stainless steel crowns on primary teeth

  • Endodontics - treatment of root canals and removal of tooth nerves

  • Oral Surgery - tooth removal (not including bony impaction) and minor surgical procedures such as tissue biopsy and drainage of minor oral infections.

  • Periodontics - treatment of uncomplicated periodontal disease including scaling, root planning and management of acute infections or lesions

  • Prosthodontics--repair and/or relining or reseating of existing dentures and bridges.

What major dental care is covered by the plan? What percentage of these costs will you be required to pay? Since dental benefits encourage you to get preventive care, which often eliminates the need for major dental work, most plans are not generous when it comes to paying for major dental work, most plans cover less than 50 percent of the cost of major treatment.

Most plans limit the benefits--both in number of procedures and dollar amount--that are covered in a given year. Be aware of these restrictions when choosing your plan and as you and your dentist develop treatment best suited for you. Major dental care includes:

  • Restorative care--gold restorations and individual crowns

  • Oral Surgery--removal of impacted teeth and complex oral surgery procedures.

  • Periodontics--treatment of complicated periodontal disease requiring surgery involving bones, underlying tissues or bone grafts.

  • Orthodontics--treatment including retainers, braces and/or diagnostic materials.

  • Dental Implants--either surgical placement or restoration

  • Prosthodontics--fixed bridges, partial dentures and removable or fixed dentures.

Will the plan allow referrals to specialists? Will my dentist and I be able to choose the specialist? Some plans limit referrals to specialists. Your dentist may be required to refer you to a limited selection of specialists who have contracted with the plan's third party. You also may be required to get permission from the plan administrator before being referred to a specialist. If you choose a plan with these limitations, make sure qualified specialists are available in your area. Look for a plan with a broad selection of different types of specialists.

If you have children, you may prefer a plan that allows a pediatric dentist to be your child's primary care dentist. Since specialized treatment is generally more costly than routine care, some plans discourage the use of specialists. While many general practitioners are qualified to perform some specialized services, complex procedures often require the skills of a dentist with special training. Discuss the options with your dentist before deciding who is best qualified to deliver treatment.

Can you see the dentist when you need to, and schedule appointment times convenient for you? Dentists participating in closed panel or capitation plans may have select hours to see plan patients. They may schedule appointments for these patients on given days, or at specified hours of the day, restricting your access.

Some dentist's fees for seeing you on weekends or during emergencies are high than those the plan allows. You may be required to pay additional costs yourself. If you select these types of plans, have a clear understanding of your dentist's policies as well as the plan's dentist-to-patient ratio. It's the best way to ensure your access to care is not unduly restricted and that you are not surprised by higher fees the plan does not cover.

Insurance companies do their best to ensure that their policyholders understand their plans and benefits, but it is up to an individual to make sure that they are making informed choices. The differences in the various plans you can choose from are:

  • The type of third party funding the plan.

  • Methods of selecting a dentist.

  • Compensation of the dentist's services to you.

  • The calculations of benefits and payments.

Understanding these differences will enable you to make an informed decision when selecting a Maryland dental plan that is best for you or your family.

 

Members can save on all dental charges and procedures including dental restorative cosmetic work (fillings, dental crowns, dental braces, dental implant's) and dental product related items, etc.), dental hygiene services, preventative work (teeth cleaning, x-rays, etc).  General dentistry, dental hygienist, dental assistant, dental assisting and all specialties where available are covered.

Maryland Dental Insurance, Dental Plans, Vision & Prescription Coverage
Thank you for choosing InsuranceCompany.com®
 we look forward to serving you and your family...

InsuranceCompany.com is a registered trademark
Copyright 1997-2017. Del Amo. All rights reserved.

 

This is not an attempt to describe the Maryland product coverage and its' contents but merely used as a sales tool for the purpose of product illustration. The website and its' owners cannot make recommendations as to whether any illustrated product may meet the users' particular needs. Therefore, the suitability of the product is the final determination of the user of this website. The use of this website is acceptance of the sites' privacy statement. Coverage is not in effect until an application is signed, transmitted, payment received and approved by the underwriting company unless otherwise specifically stated. A physical and/or background inspection may be done to verify the information provided. The quote(s) will be based up on the underwriting information you supplied and the quote(s) is/are subject to change upon inspection and review by the underwriting company. The underwriting company reserves the right to determine the final coverage, premium and acceptability  If you have any questions regarding the information collected, please contact the agency. All quotes are provided by DEL AMO Insurance Services, Inc,. DBA:  InsComp Insurance Services and/or one of it's affiliated agents, brokers, agencies, brokerages, and/or companies  Lic: 0B93601  Agent David Blunt, Lic: 0638553. Commercial use by others is prohibited by law. No portion of any news or information from this website may be photocopied, faxed, mailed, distributed, transmitted, published, broadcasted, duplicated, or re-distributed in any manner for any purpose without prior written authorization of its' owner. 

Dental plan rating software provided by

2017-11-22T10:08:25+00:00
Find the best individual dental insurance plans in Maryland