Finding a way to buy dental insurance at a reasonable price.

We are dedicated to consumers who feel left out in the cold when trying to buy dental insurance at an affordable price.

I understand that there are many dental plan web sites popping-up all over the internet, claiming to offer "dental insurance" when in fact they do not and are not licensed to offer and sell a dental insurance plan.

• If you find a site that says they offer dental insurance, they are "required" to show their insurance license information on the web site. If they do not, then report them to your local state department of insurance. If you find a dental web site stating they offer "dental insurance" and in fact they do not, then take the opportunity to report that site to the search engine you found them on.

Always ask to speak with a licensed insurance agent. Please be sure to contact the dentist or dental office you have selected to confirm they are accepting new patients and they are accepting the dental health insurance plan you are considering.

Finding the right value in individual and family dental insurance is an important step in purchasing affordable dental insurance health care coverage. Both types of dental plans (dental insurance and discount dental plans) have advantages and disadvantages and one size does not fit everyone. Keeping this in mind is an important guideline when you shop for the dental plan that best fits your needs.

Dental fairness for access to dental health insurance plans

There are laws that prohibit discrimination against dental care services under specific circumstances. In addition payment for health care services shall not be denied under a policy, contract or other document providing for the payment of health care treatment procedures if the services are rendered by a licensed dentist if the following two conditions are met:
 
1.   The health care services would be covered if provided by a person licensed to engage in the practice of medicine and surgery, and
2.   The health care services can be lawfully performed within the scope of practice of a licensed dentist.

This is not true in every state, however, there are dental health insurance plans that are readily available to you. For example, InsuranceCompany.com is one of the largest dental insurance websites on the internet. They have been serving the dental community since 1983. Their dental insurance quoting service is easy to use. Just enter your residential zip code and they provide instant dental quotes for you and your family at reasonable rates.

DENTAL INSURANCE FAIRNESS ACT OF 2018

BACKGROUND: Dental coverage currently helps 173 million Americans get care that is vital to ensuring good oral and overall health. During the 112th Congress, Representative Paul Gosar (R-AZ), a dentist by profession, introduced the “Dental Insurance Fairness Act of 2018” (H.R. 4818). This bi-partisan legislation will be re-introduced during the 113th Congress as the “Dental Insurance Fairness Act of 2018.”

Many employers maintain self-insured dental plans covered under the Employee Retirement and Income Security Act (ERISA), which means they are regulated by federal law rather than state insurance law. JUSTIFICATION: This bill would help consumers receive the full value of their dental coverage. Passage of this legislation would provide a more equitable system for dental patients, making dental care more affordable and accessible. Unfair practices have crept into common practices of dental benefit plans. They hinder families’ ability to receive the full benefits for which they pay.

In some cases, this can shift funds that should cover those benefits into profits for the dental insurance industry. This can occur when a family pays premiums for coverage under two separate dental plans but the plans’ practices prohibit a secondary plan from paying any of the cost of care. As a result, a family is paying for coverage that is not there when they may need it.

In addition, plans that prohibit beneficiaries from assigning payment for dental services directly to non-participating dentists are unfairly and unnecessarily penalizing patients who choose to go outside a network to receive care. If families can’t assign benefits, they are forced to pay the dentist themselves and then file paperwork and wait for their dental plans to reimburse them.

The Dental Insurance Fairness Act would require that:

• All self-funded health plans that offer dental benefits will provide uniform coordination of benefits. When a consumer is covered by more than one plan, the secondary payer should be responsible for paying the remainder of the claim (up to, but not exceeding, 100 percent of the amount of the claim). To do otherwise provides the insurance industry with an unfair gain at the expense of beneficiaries.

• All self-funded health plans that offer dental benefits will permit assignment of benefits. The bill will permit consumers to designate a dental plan’s payment to providers who do not participate in the network (called “assignment of benefits”), so that the patient’s family does not have to pay for covered services out-of-pocket and wait to be reimbursed by the plan.