Affordable Dental Insurance - Family Dental Insurance

Welcome to the Leading Resource for Affordable Dental Insurance for Individuals and Families.

Full Coverage Dental Insurance

Full coverage dental insurance plans come in two varieties. Plans that require you to see dentists who have agreed to treat patients covered by the dental insurance are referred to as “network” plans. Network plans are either PPO networks or DHMO networks.

Our most popular insured dental plan does not have any network. You are free to choose any dentist, including your own. Unlike most PPO dental plans, there are no waiting periods for major dental work. In this type of dental insurance plan, you have the option to visit any dentist or dental care professional you wish. You do not need to select your dentist from a list of network providers or approved providers to qualify for benefits and coverage.

DPPO stands for “Dental Preferred Provider Organization.” DPPO is used to designate a type of insurance policy in which insurance providers have networks of clients. Those who are covered by these plans must use the professionals that are part of the network in order to get full benefits. Professionals essentially get referrals from insurance providers, giving them more business. In turn, they offer special discount rates to insurance companies and insurance holders. This means that insurance holders pay less and insurance companies have to pay less money out on claims.

DHMO dental coverage stands for “Dental Health Maintenance Organization”. This type of insurance requires some type of prepayment from you. In exchange, you get dental care from a network of dental care providers. If you want to use a dentist outside the approved network, you must pay your entire dentist's bill yourself.

In DHMO dental plans, dentists in a network have to provide dental care to members of the insurance plan. No eligible patient can be turned away. Dentists that are part of the network are paid once a month by the insurance provider.

Discount Dental Plans

Discount dental plans are not insurance but are very popular due to their low cost, no waiting periods and no annual cap on benefits. We have over 30 different discount dental plans to review and choose.

Whether you choose an insured plan or a discount plan, Toothplans is your one source for dental information.