HealthInsurance.com Dental Insurance Review

Coverage

Dental insurance policies available through HealthInsurance.com covers preventive care, like cleanings and X-rays, as well as basic and major procedures, including fillings, root canals, crowns, bridges, and dentures. Not all plans cover all services, though. Some of the more affordable plans, for example, cover preventive care and basic dental procedures but don't cover major procedures. On the other side of the spectrum, there are plans that cover all types of dental coverage and include vision insurance as well.

Benefit Limits

HealthInsurance.com's dental insurance plans vary in how much they cover. Preventive care is usually covered completely, though some plans impose a waiting period before they'll cover these services. As for basic and major dental procedures, these are usually not covered in full, but different insurers use different methods for deciding how much is covered. Some impose a deductible and will only cover up to a certain dollar amount while others just list the percentage of costs they will cover.

HealthInsurance.com breaks all of this down for you in an easy-to-read table and enables you to filter your results based on price and company so you can find a plan that fits your needs and budget. Annual maximums range from around $500 on the low end to $2,500 on the high end, which is a wider range than you usually see with most dental insurance companies.

Availability

Waiting periods on basic and major dental procedures are pretty common and some companies also have waiting periods on preventive services as well. These can range from three to six months. You can learn more about a plan's waiting period by clicking into the information about that plan from HealthInsurance.com's search results.

Pricing

You can find dental insurance for under $20 per month on HealthInsurance.com, but these plans usually only cover preventive care. If you want a plan that covers basic procedures, you're looking at around $25 per month and coverage for major procedures will run you around $40 per month. Those interested in vision coverage as well can expect to spend between $50 and $70 per month.

HealthInsurance.com gives you the ability to filter your results by premium cost, so it's easy to find something that fits into your budget. There's no option to compare plans side by side, but with the filtering tools available, it shouldn't be too difficult to determine the top options for you.