Individual Dental Insurance Texas

Affordable low cost individual dental insurance plans


Texas Dental Insurance Quotes

Individual Dental Insurance Plans in Texas,
 Texas Individual Dental Plans,
 Individual Discount Texas Dental Plans, Texas Dentists
 

This Texas directory can be searched by state and you can select "individual" and get the list of just those companies that provide individual dental insurance in your state.  You can select "individual" and get the list of just those companies that provide individual dental insurance or discount plans in your state.  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 Texas dental insurance providers for your individual dental insurance.  These online multiple quotes will help you to zero in on the policy that might be the right individual dental insurance for you needs.  Just like any other insurance the higher premium you pay for your individual dental insurance the greater will be the extent of the treatments, you will higher limits and more choices in terms of dentists and treatments. 

Check the background of the best individual dental insurance companies first.  If they are making the customers to jump through hoops to get their legitimate claims settled, then it is an individual dental insurance company you have to avoid at all costs.  Basically all individual dental insurance, both fee-for-service (indemnity) and managed care policies, will impose a 6- to 18-month waiting period for most or all procedures, which means services won't be covered until after you've owned your policy for that long. 

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

Dodson
Lasara
Abbott
Abernathy
Abilene
Ace
Ackerly
Acme
Addison
Adkins
Adrian
Afton
Agua Dulce
Aiken
Alamo
Alamo Heights
Alanreed
Alba
Albany
Aldine
Aledo
Alibates
Alice
Alief
Allen
Alleyton
Allison
Alpine
Altair
Alto
Alton
Alvarado
Alvin
Alvord
Amarillo
Amherst
Amistad
Anahuac
Anderson
Anderson Mill
Andrews
Angleton
Anna
Annona
Anson
Anthony
Anton
Apple Springs
Aquilla
Aransas Pass
Archer City
Argyle
Arlington
Armstrong
Arp
Art
Artesia Wells
Arthur City
Asherton
Aspermont
Atascosa
Athens
Atlanta
Aubrey
Austin
Austwell
Avalon
Avery
Avinger
Avoca
Axtell
Azle
Bacliff
Bagwell
Bailey
Baird
Balch Springs
Balcones Heights
Ballinger
Balmorhea
Bandera
Bangs
Banquete
Bardwell
Barker
Barksdale
Barnhart
Barrett
Barry
Barstow
Bartlett
Bartonville
Bastrop
Batesville
Batson
Bay City
Bayou Vista
Bayside
Baytown
Beasley
Beaumont
Bebe
Beckville
Bedford
Bedias
Beeville
Bellaire
Bellevue
Bellmead
Bells
Bellville
Belmont
Belton
Ben Bolt
Ben Franklin
Ben Wheeler
Benavides
Benbrook
Bend
Benjamin
Berclair
Bergheim
Bertram
Beverly Hills
Big Bend
Big Lake
Big Sandy
Big Spring
Big Thicket
Big Wells
Bigfoot
Bishop
Bivins
Blackwell
Blanco
Blanket
Bledsoe
Bleiblerville
Blessing
Bloomburg
Blooming Grove
Bloomington
Blossom
Blue Mound
Blue Ridge
Bluegrove
Bluff Dale
Bluffton
Blum
Boerne
Bogata
Boling
Bon Wier
Bonham
Booker
Borger
Bovina
Bowie
Boyd
Boys Ranch
Brackettville
Brady
Brandon
Brashear
Brazoria
Breckenridge
Bremond
Brenham
Briar
Bridge City
Bridgeport
Briggs
Briscoe
Broaddus
Bronson
Bronte
Brookeland
Brookesmith
Brookshire
Brookside Village
Brookston
Brownfield
Brownsboro
Brownsville
Brownwood
Bruceville
Bruni
Brushy Creek
Bryan
Bryson
Buchanan Dam
Buckholts
Buckingham
Buda
Buffalo
Buffalo Gap
Bula
Bullard
Bulverde
Buna
Bunker Hill Village
Burkburnett
Burkett
Burkeville
Burleson
Burlington
Burnet
Burton
Bushland
Byers
Bynum
Cactus
Caddo
Caddo Mills
Caldwell
Call
Calliham
Calvert
Camden
Cameron
Cameron Park
Camp Swift
Camp Wood
Campbell
Campbellton
Canadian
Canton
Canutillo
Canyon
Canyon Lake
Carbon
Carey
Carlsbad
Carlton
Carmine
Carrizo Springs
Carrollton
Carthage
Cason
Castell
Castle Hills
Castroville
Cat Spring
Catarina
Cayuga
Cedar Creek
Cedar Hill
Cedar Lane
Cedar Park
Cee Vee
Celeste
Celina
Center
Center Point
Centerville
Centralia
Chalk
Chamizal
Chandler
Channelview
Channing
Chapman Ranch
Chappell Hill
Charlotte
Chatfield
Cherokee
Chester
Chico
Chicota
Childress
Chillicothe
Chilton
China
China Spring
Chireno
Chriesman
Christine
Christoval
Cibolo
Cisco
Clarendon
Clarksville
Claude
Clay
Clayton
Clear Creek
Clear Lake City
Cleburne
Cleveland
Clifton
Clint
Cloverleaf
Clute
Clyde
Coahoma
Cockrell Hill
Colbertson
Coldspring
Coleman
College Station
Collegeport
Colleyville
Collinsville
Colmesneil
Colorado City
Columbus
Comanche
Combes
Combine
Comfort
Commerce
Como
Comstock
Concan
Concepcion
Concord
Cone
Conroe
Converse
Cookville
Coolidge
Cooper
Copeville
Coppell
Copperas Cove
Corinth
Corpus Christi
Corrigan
Corsicana
Cost
Cotton Center
Cotulla
Coupland
Covington
Coyanosa
Crandall
Crane
Cranfills Gap
Crawford
Creedmoor
Cresson
Crockett
Crosby
Crosbyton
Cross Plains
Crowell
Crowley
Crystal Beach
Crystal City
Cuero
Cumby
Cuney
Cunningham
Cushing
Cut and Shoot
Cypress
D Hanis
Daingerfield
Daisetta
Dale
Dalhart
Dallardsville
Dallas
Dalworthington Gardens
Damon
Danbury
Danciger
Danevang
Darrouzett
Davilla
Dawn
Dawson
Dayton
De Berry
De Kalb
De Leon
Deanville
Decatur
Deer Park
Del Rio
Del Valle
Dell City
Delmita
Denison
Dennis
Denton
Denver City
Deport
Desdemona
DeSoto
Detroit
Devers
Devine
Deweyville
Diana
Diboll
Dickens
Dickinson
Dike
Dilley
Dime Box
Dimmitt
Dinero
 
Dobbin
Dodd City
Dodge
Donie
Donna
Doole
Doss
Double Oak
Doucette
Dougherty
Douglass
Douglassville
Driftwood
Dripping Springs
Driscoll
Dryden
Dublin
Dumas
Dumont
Duncanville
Dunn
Dyess AFB
Eagle Lake
Eagle Mountain
Eagle Pass
Early
Earth
East Bernard
Eastland
Easton
Ecleto
Ector
Edcouch
Eddy
Eden
Edgecliff
Edgewood
Edinburg
Edmonson
Edna
Edroy
Egypt
El Campo
El Cenizo
El Indio
El Lago
El Paso
Eldorado
Electra
Elgin
Elkhart
Ellinger
Elm Mott
Elmaton
Elmendorf
Elmo
Elsa
Elysian Fields
Emory
Encinal
Encino
Energy
Enloe
Ennis
Enochs
Eola
Era
Escobares
Estelline
Etoile
Euless
Eustace
Evadale
Evant
Everman
Fabens
Fair Oaks Ranch
Fairfield
Falcon Heights
Falfurrias
Falls City
Fannin
Farmers Branch
Farmersville
Farnsworth
Farwell
Fate
Fayetteville
Fentress
Ferris
Fieldton
Fischer
Flat
Flatonia
Flint
Flomot
Florence
Floresville
Flower Mound
Floydada
Flugaville
Fluvanna
Flynn
Follett
Forest Hill
Forestburg
Forney
Forreston
Forsan
Fort Davis
Fort Hancock
Fort Mc Kavett
Fort Stockton
Fort Worth
Fowlerton
Francitas
Franklin
Frankston
Fred
Fredericksburg
Fredonia
Freeport
Freer
Fresno
Friendswood
Friona
Frisco
Fritch
Frost
Fruitvale
Fulshear
Fulton
Gail
Gainesville
Galena Park
Gallatin
Galveston
Ganado
Garciasville
Garden City
Garden Ridge
Gardendale
Garfield
Garland
Garrison
Garwood
Gary
Gatesville
Gause
Geneva
George West
Georgetown
Geronimo
Giddings
Gilchrist
Gillett
Gilmer
Girard
Girvin
Gladewater
Glen Flora
Glen Rose
Glenn Heights
Glidden
Gober
Godley
Golden
Goldsboro
Goldsmith
Goldthwaite
Goliad
Gonzales
Goodfellow AFB
Goodrich
Gordon
Gordonville
Goree
Gorman
Gouldbusk
Graford
Graham
Granbury
Grand Prairie
Grand Saline
Grandfalls
Grandview
Granger
Granite Shoals
Grapeland
Grapevine
Greenville
Greenwood
Gregory
Groesbeck
Groom
Groves
Groveton
Gruene
Grulla
Gruver
Guadalupe
Guerra
Gun Barrel City
Gunter
Gustine
Guthrie
Guy
Hale Center
Hallettsville
Hallsville
Haltom City
Hamilton
Hamlin
Hamshire
Hankamer
Happy
Hardin
Hargill
Harker Heights
Harleton
Harlingen
Harper
Harriet
Harrold
Hart
Hartley
Harwood
Haskell
Haslet
Hawkins
Hawley
Hearne
Heath
Hebbronville
Hedley
Hedwig Village
Heidenheimer
Helotes
Hemphill
Hempstead
Henderson
Henrietta
Hereford
Hermleigh
Hewitt
Hext
Hickory Creek
Hico
Hidalgo
Higgins
High Island
Highland Park
Highland Village
Highlands
Hillister
Hillsboro
Hitchcock
Hobson
Hochheim
Hockley
Holland
Holliday
Hollywood Park
Hondo
Honey Grove
Hooks
Horseshoe Bay
Houston
Howe
Hubbard
Hudson
Huffman
Hufsmith
Hughes Springs
Hull
Humble
Hungerford
Hunt
Hunters Creek Village
Huntington
Huntsville
Hurst
Hutchins
Hutto
Hye
Idalou
Imperial
Independence
Industry
Inez
Ingleside
Ingram
Iola
Iowa Park
Ira
Iraan
Iredell
Irene
Irving
Italy
Itasca
Ivanhoe
Jacinto City
Jacksboro
Jacksonville
Jarrell
Jasper
Jayton
Jefferson
Jermyn
Jersey Village
Jewett
Joaquin
Johnson City
Joinerville
Jollyville
Jones Creek
Jonesboro
Jonestown
Jonesville
Josephine
Joshua
Jourdanton
Judson
Junction
Justiceburg
Justin
Kamay
Karnack
Karnes City
Katy
Kaufman
Keene
Keller
Kemah
Kemp
Kempner
Kendalia
Kendleton
Kenedy
Kennard
Kennedale
Kenney
Kerens
Kermit
Kerrick
Kerrville
Kildare
Kilgore
Killeen
Kingsbury
Kingsland
Kingsville
Kingwood
Kirby
Kirbyville
Kirkland
Kirvin
Klondike
Knickerbocker
Knippa
Knott
Knox City
Kopperl
Kosse
Kountze
Kress
Krum
Kurten
Kyle
La Blanca
La Coste
La Feria
La Grange
La Joya
La Marque
La Porte
La Pryor
La Salle
La Vernia
La Villa
La Ward
Lacy-Lakeview
Ladonia
Lago Vista
Laguna Heights
Laguna Park
Laguna Vista
Laird Hill
Lake Brownwood
Lake Creek
Lake Dallas
Lake Front
Lake Jackson
Lake Meredith
Lake Travis
Lake Worth
Lakehills
Lakeview
Lamesa
Lampasas
Lancaster
Lane City
Laneville
 
Langtry
Laredo
Larue
Latexo
Laughlin A F B
Lavon
Lawn
Lazbuddie
League City
Leakey
Leander
Ledbetter
Leesburg
Leesville
Lefors
Leggett
Lelia Lake
Leming
Lenorah
Leon Junction
Leon Valley
Leona
Leonard
Leroy
Levelland
Lewisville
Lexington
Liberty
Liberty Hill
Lillian
Lincoln
Lindale
Linden
Lindsay
Lingleville
Linn
Lipan
Lipscomb
Lissie
Little Elm
Little River
Littlefield
Live Oak
Liverpool
Livingston
Llano
Lockhart
Lockney
Lodi
Lohn
Lolita
Lometa
London
Lone Oak
Lone Star
Long Branch
Long Mott
Longview
Loop
Lopeno
Lopezville
Loraine
Lorena
Lorenzo
Los Ebanos
Los Fresnos
Los Indios
Lott
Louise
Lovelady
Loving
Lowake
Lozano
Lubbock
Luckenbach
Lueders
Lufkin
Luling
Lumberton
Lyford
Lyndon
Lyons
Lytle
Mabank
Macdona
Madisonville
Magnolia
Malakoff
Malone
Manchaca
Manor
Mansfield
Manvel
Maple
Marathon
Marble Falls
Marfa
Marietta
Marion
Markham
Marlin
Marquez
Marshall
Mart
Martindale
Martinsville
Maryneal
Mason
Masterson
Matador
Matagorda
Mathis
Maud
Mauriceville
Maxwell
May
Maydelle
Maypearl
Maysfield
Mc Caulley
Mc Coy
Mc Dade
Mc Leod
Mc Neil
Mc Queeney
McAdoo
McAllen
McCamey
McFaddin
McGregor
McKinney
McLean
Meadow
Meadows
Medina
Megargel
Melissa
Melvin
Memphis
Menard
Mentone
Mercedes
Mereta
Meridian
Merit
Merkel
Mertens
Mertzon
Mesquite
Mexia
Meyersville
Miami
Mico
Midfield
Midkiff
Midland
Midlothian
Midway
Mila Doce
Milam
Milano
Miles
Milford
Millersview
Millican
Millsap
Minden
Mineola
Mineral
Mineral Wells
Mingus
Mirando City
Mission
Mission Bend
Missouri City
Mobeetie
Monahans
Mont Belvieu
Montague
Montalba
Montgomery
Moody
Moore
Moran
Morgan
Morgan Mill
Morgan's Point Resort
Morse
Morton
Moscow
Moulton
Mound
Mount Calm
Mount Enterprise
Mount Pleasant
Mount Vernon
Mountain Home
Muenster
Muldoon
Muleshoe
Mullin
Mumford
Munday
Murchison
Myra
Nacogdoches
Nada
Naples
Nash
Nassau Bay
Natalia
Navasota
Nazareth
Neches
Nederland
Needville
Nemo
New Baden
New Boston
New Braunfels
New Caney
New Deal
New Home
New London
New Summerfield
New Ulm
New Waverly
Newark
Newcastle
Newgulf
Newton
Nixon
Nocona
Nolan
Nolanville
Nome
Nordheim
Normangee
Normanna
North Houston
North Richland Hills
North Zulch
Norton
Notrees
Novasota
Novice
Nursery
O Brien
Oak Ridge North
Oakhurst
Oakland
Oakville
Oakwood
Odell
Odem
Odessa
Odonnell
Oglesby
Oilton
Oklaunion
Old Glory
Old Ocean
Old River Winfree
Olden
Olmito
Olmos Park
Olney
Olton
Omaha
Onalaska
Orange
Orange Grove
Orangefield
Orchard
Ore City
Orla
Ottine
Otto
Ovalo
Overton
Ozona
Padre Island
Paducah
Paige
Paint Rock
Palacios
Palestine
Palmer
Palo Alto
Palo Pinto
Paluxy
Pampa
Pandora
Panhandle
Panna Maria
Panola
Paradise
Paris
Parker
Pasadena
Pattison
Patton Village
Pattonville
Pawnee
Peachwater
Pear Valley
Pearland
Pearsall
Peaster
Pecan Gap
Pecan Grove
Pecos
Peggy
Pelican Bay
Pendleton
Penelope
Penitas
Pennington
Penwell
Pep
Perrin
Perry
Perryton
Petersburg
Petrolia
Pettus
Petty
Pflugerville
Pharr
Pickton
Pierce
Pilot Point
Pinehurst
Pineland
Pipe Creek
Pittsburg
Placedo
Plains
Plainview
Plano
Plantersville
Pleasanton
Pledger
Plum
Point
Point Comfort
Pointblank
Pollok
Ponder
Pontotoc
Poolville
Port Aransas
Port Arthur
Port Bolivar
Port Isabel
Port Lavaca
Port Mansfield
Port Neches
Port O Connor
Porter
Portland
Post
Poteet
Poth
Pottsboro
Pottsville
Powderly
Powell
Poynor
Prairie Hill
Prairie Lea
Prairie View
Premont
Presidio
Price
Priddy
Primera
Princeton
Proctor
Progreso
Prosper
Purdon
Purmela
Putnam
Pyote
Quail
Quanah
Queen City
Quemado
Quinlan
Quitaque
Quitman
Rainbow
Ralls
Randolph
Ranger
Rankin
Ransom Canyon
Ratcliff
Ravenna
Raymondville
Raywood
Reagan
Realitos
 
Red Oak
Red Rock
Redford Redwater
Refugio
Reklaw
Reno
Rhome
Rice
Richards
Richardson
Richland
Richland Hills
Richland Springs
Richmond
Richwood
Riesel
Ringgold
Rio Frio
Rio Grande City
Rio Grande Wild & Scenic River
Rio Hondo
Rio Medina
Rio Vista
Rising Star
River Oaks
Riverside
Riviera
Roanoke
Roans Prairie
Roaring Springs
Robert Lee
Robinson
Robstown
Roby
Rochelle
Rochester
Rock Island
Rockdale
Rockport
Rocksprings
Rockwall
Rockwood
Rogers
Rollingwood
Roma
Romayor
Roosevelt
Ropesville
Rosanky
Roscoe
Rosebud
Rosenberg
Rosharon
Ross
Rosser
Rosston
Rotan
Round Mountain
Round Rock
Round Top
Rowena
Rowlett
Roxton
Royalty
Royse City
Rule
Runge
Rusk
Rye
Sabinal
Sabine Pass
Sachse
Sacul
Sadler
Saginaw
Saint Hedwig
Saint Jo
Salado
Salineno
Salt Flat
Saltillo
Samnorwood
San Angelo
San Antonio
San Augustine
San Benito
San Diego
San Elizario
San Felipe
San Isidro
San Juan
San Leon
San Marcos
San Perlita
San Saba
San Ygnacio
Sanderson
Sandia
Sandy
Sanford
Sanger
Sansom Park
Santa Anna
Santa Elena
Santa Fe
Santa Maria
Santa Rosa
Santo
Saragosa
Saratoga
Sarita
Satin
Savoy
Schertz
Schulenburg
Schwertner
Scotland
Scottsville
Scroggins
Scurry
Seabrook
Seadrift
Seagoville
Seagraves
Sealy
Sebastian
Seguin
Selkirk Island
Selman City
Seminole
Seymour
Shafter
Shallowater
Shamrock
Shavano Park
Sheffield
Shelbyville
Shenandoah
Shepherd
Sheppard AFB
Sheridan
Sherman
Shiner
Shiro
Sidney
Sierra Blanca
Silsbee
Silver
Silverton
Simms
Simonton
Sinton
Skellytown
Skidmore
Slaton
Slidell
Smiley
Smithville
Smyer
Snook
Snyder
Socorro
Somerset
Somerville
Sonora
Sour Lake
South Bend
South Houston
South Padre Island
South Plains
Southlake
Southmayd
Southside Place
Spade
Speaks
Spearman
Spicewood
Splendora
Spring
Spring Branch
Springlake
Springtown
Spur
Spurger
Stafford
Stamford
Stanton
Staples
Star
Stephenville
Sterling City
Stinnett
Stockdale
Stonewall
Stowell
Stratford
Strawn
Streetman
Sublime
Sudan
Sugar Land
Sullivan City
Sulphur Bluff
Sulphur Springs
Summerfield
Sumner
Sundown
Sunnyvale
Sunray
Sunset
Surfside
Sutherland Springs
Sweeny
Sweet Home
Sweetwater
Sylvester
Taft
Tahoka
Talco
Talpa
Tarpley
Tarzan
Tatum
Taylor
Teague
Tehuacana
Telegraph
Telephone
Telferner
Tell
Temple
Tenaha
Tennessee Colony
Tennyson
Terlingua
Terrell
Terrell Hills
Texarkana
Texas City
Texline
The Colony
The Woodlands
Thicket
Thomaston
Thompsons
Thorndale
Thornton
Thrall
Three Rivers
Throckmorton
Tilden
Timberwood Park
Timpson
Tioga
Tivoli
Tokio
Tolar
Tom Bean
Tomball
Tornillo
Tow
Toyah
Toyahvale
Trent
Trenton
Trinidad
Trinity
Troup
Troy
Tuleta
Tulia
Turkey
Tuscola
Tye
Tyler
Tynan
Umbarger
Universal City
University Park
Utopia
Uvalde
Valentine
Valera
Valley Mills
Valley Spring
Valley View
Van
Van Alstyne
Van Horn
Van Vleck
Vancourt
Vanderbilt
Vanderpool
Vega
Venus
Veribest
Vernon
Victoria
Vidor
Village Mills
Voca
Von Ormy
Voss
Votaw
Voth
Waco
Wadsworth
Waelder
Waka
Wake Village
Walburg
Wall
Waller
Wallis
Wallisville
Walnut Springs
Warda
Waring
Warren
Waskom
Watauga
Water Valley
Waverly Hills
Waxahachie
Wayside
Weatherford
Webster
Weesatche
Weimar
Weinert
Weir
Welch
Wellborn
Wellington
Wellman
Wells
Weslaco
West
West Columbia
West Lake Hills
West Odessa
West Orange
West Point
West Tawakoni
West University Place
Westbrook
Westhoff
Westlake
Westminster
Weston
Wharton
Wheeler
Wheelock
White Deer
White Oak
White Settlement
Whiteface
Whitehouse
Whitesboro
Whitewright
Whitharral
Whitney
Whitsett
Whitt
Wichita Falls
Wickett
Wiergate
Wildorado
Willis
Willow City
Wills Point
Wilmer
Wilson
Wimberley
Windcrest
Windom
Windthorst
Winfield
Wingate
Wink
Winnie
Winnsboro
Winona
Winters
Woden
Wolfe City
Wolfforth
Woodhollow
Woodlake
Woodlawn
Woodsboro
Woodson
Woodville
Woodway
Wortham
Wrightsboro
Wylie
Yancey
Yantis
Yoakum
Yorktown
Zapata
Zavalla
Zephyr
 
 

Traditional Texas 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.

Texas 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 Texas 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.

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