Dental coverage combined with medical insurance

Yes most family medical plans available today also include optional dental coverage. Pricing and details are available online in the same quoting and enrollment process as the medical insurance.

It may help to keep in mind that there are three types of dental plans. The first is an HMO available primarily through larger employer health plans and generally not available as an option to individual insurance buyers. The second type is an indemnity plan that includes a schedule of benefits paid to a dentist for a specific type of procedure. This is the type most commonly available to you. Coverage is available at several levels and price points. The third type is a discount plan that is not insurance but helps negotiate the cash price of dentist services using the same type of schedule as insurance and these rates may be less than the prevailing prices for dental services. The best feature of a discount plan is that the money you save is typically more than the money spent; in contrast this is not true for any type of insurance. Careington is the nation's leader in discount dental plans. More information is available at Ehealthdiscountplan.com.

 The best family dental /medical insurance combinations are often available through Unitedhealthcare's Golden Rule Insurance company. In addition to the wide range of medical insurance plans, this company offers an impressive list of dental benefits in all of its plans.

Golden Rule Insurance is the only company to our knowledge that offers preventive dental care at 100% with no deductible or waiting period. There is a $50 deductible for regular dental services, capped at three deductibles per family, and then the plan pays either 80% or 50% of remaining covered charges. The 80% coverage applies to basic treatment like fillings and tooth extractions while the 50% coverage applies to major services like root canals and bridges. Their preferred provider network has over 73,000 dentists nationally.

In addition, OnlineAdviser personal enrollment support is available for all of these plans on demand so that you do not need to worry about being pestered by insurance agents. Get started by getting a secure quote with the coverage options available in your area.