eHealth Dental Insurance Review

#1 in Dental Insurance

eHealthInsurance is the nation’s first Internet-based seller of health insurance policies. To date, the company has enrolled over 4 million people in health, vision, life, travel, accident, and dental plans. The company's website lets customers compare and buy different provider policies, and gives them access to useful product tools and information. They provide a comparison tool, an online application and plan selection advisor, 24-hour approval, and customer support.

eHealthInsurance features dental insurance for individuals, families and groups and allows the consumer to compare the best plans from the top providers. The policies start as low as $10.29/month.

Services and Features

Applicant: Female  
Date of Birth: 02/16/1993
State: Washington, DC

Example: Dominion Dental Services, Inc.

Plan Details

Plan Type

PPO

Application Fee

None

Annual Maximum Benefit

Adults (19 years old and over): $750/person

Deductible

Adults (19 years old and over): $50 individual /$150 family

Children (Below 19 years old): $100 single child / $200 two or more children

Coinsurance

Adults (19 years old and over):  0-50%

Children (Below 19 years old): 0-75%

Annual Out-of-Pocket Limit

Adults (19 years old and over): None

Children (Below 19 years old): $350 out-of-pocket maximum per child or $700 per family

Annual Max Benefit

$1500/person

PPO Elite Plus

$15.21/month

Primary Benefits

Teeth Cleaning

Adults (19 years old and over):  No charge after deductible (2 cleanings per calendar year)

Children (Below 19 years old): No copay (2 cleanings per calendar year)

No waiting period

Oral Surgery

Adults (19 years old and over): N/A

Children (Below 19 years old): 75% Coinsurance after deductible

No waiting period

Extractions

Adults (19 years old and over): 50% Coinsurance

Children (Below 19 years old): 75% Coinsurance after deductible

No waiting period

X-Rays

Adults (19 years old and over): No charge after deductible

Children (Below 19 years old): No charge

No waiting Period

Crowns

Adults (19 years old and over): N/A

Children (Below 19 years old): 75% Coinsurance after deductible, No waiting Period

Root Canals

Adults (19 years old and over): N/A

Children (Below 19 years old): 75% Coinsurance after deductible, No waiting period

Periodontics

Adults (19 years old and over): N/A

Children (Below 19 years old): 75% Coinsurance after deductible, No waiting period

Dentures

Adults (19 years old and over): N/A

Children (Below 19 years old): 75% Coinsurance after deductible, No waiting period

Topical Fluoride

Adults (19 years old and over): N/A

Children (Below 19 years old): No Charge, No waiting period

Sealant

Adults (19 years old and over): Not covered

Children (Below 19 years old): No Charge, No waiting period

Bridges

Adults (19 years old and over): N/A

Children (Below 19 years old):75% Coinsurance after deductible, No waiting period

Endodontic

Adults (19 years old and over): N/A

Children (Below 19 years old): 75% Coinsurance after deductible, No waiting period

Example: UnitedHealthOne

Plan Details

Plan Type

PPO

Application Fee

None

Annual Maximum Benefit

$1000/person

Deductible

$50/person

Coinsurance

30%

Annual Out-of-Pocket Limit

None

Annual Max Benefit

$1000/person

Dental Primary

$19.70/month

Primary Benefits

Teeth Cleaning

$25 copay, deductible waived

No waiting period

Oral Surgery

Not Covered

Restorative Dentistry/Fillings

30% coinsurance after deductible

6 month waiting period

Extractions

30% coinsurance after deductible

6 month waiting Period

X-Rays

$25 copay (limited to 2 series per calendar year)

No waiting period

Crowns

Not Covered

Root Canals

Not Covered

Periodontics

Not Covered

Dentures

Not Covered

Topical Fluoride

$25 copay (limited to covered persons under 16 years old, limited to 2 times per calendar year),

Deductible waived

No waiting period

Sealant

$25 copay (limited to covered persons under 16 years old and once per first and second permanent molar every 36 months)

No waiting period

Bridges

Not Covered

Endodontic

Not Covered

Example: CareFirst of Maryland Inc.

Plan Details

Plan Type

PPO

Application Fee

CareFirst BlueCross BlueShield requires a $4.98 Administration Fee

Annual Maximum Benefit

$1000 for members over 19 years old

Deductible

$60 individual / $180 family

Coinsurance

Preventive - $0 deductible waived

Basic – 20% coinsurance after deductible

Major (Surgical) – 20% coinsurance after deducible

Major (Restorative) – 50% coinsurance after deductible

Annual Out-of-Pocket Limit

For members below 19 years old: $350 for 1 member, $700 for 2+ members

Annual Max Benefit

$1000 for members over 19 years old

Blue Dental Preferred – High Option

$34.23/month

Primary Benefits

Teeth Cleaning

No Charge

No Waiting Period

Oral Surgery

20% Coinsurance after deductible

No Waiting Period

Restorative Dentistry/Fillings

20% Coinsurance after deductible

No Waiting Period

Extractions

20% Coinsurance after deductible

No Waiting Period

X-Rays

No charge

No waiting Period

Crowns

50% Coinsurance after deductible

No Waiting Period

Root Canals

20% Coinsurance after deductible

No Waiting Period

Periodontics

20% Coinsurance after deductible

No Waiting Period

Dentures

50% Coinsurance after deductible

No Waiting Period

Topical Fluoride

No Charge

No waiting period

Sealant

No Charge

No waiting period

Bridges

50% Coinsurance after deductible

No Waiting Period

Endodontic

20% Coinsurance after deductible

No Waiting Period

 

Dental Insurance at eHealthInsurance

Overall, eHealthInsurance is a good choice for dental insurance because it gives customers access to a wide array of dental insurance plans from diverse providers. With 24-hour customer service, rapid processing with e-approval, and tools to assist you during the application process, eHealthInsurance not only makes selecting a dental insurance plan easier, but also enables you to make a more informed decision.

 

 

 

 

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