Comparison Of Discount Dental Plans
Available To The General Public

There are many dental plans available to the general public. The following is a list of some of the plans available and other information that I have been able to glean from various publications. I have concentrated on the primary dental plans. Many other people offer the same plans under different names.

We are not insurance agents, now do we guarantee the information is 100% accurate, but it is a place to start. Please visit the websites below before you make a final comparison.

Managed Care Plans

Discount dental plans, also called capitulation plans, establish networks of dentists. You pay the company a monthly or yearly fee, which usually covers all or part of the fees for your cleaning and exam. The dentist then agrees to offer another group of services at a reduced fee. The plans vary according to the number of participating dentists, the amount that the dentist actually is reembursed, if anything, and the amount you pay.

The fees in the table below are a national average. They vary with locale. Please click on the links for more information.

Dental Discount plans available to the public in the US
Plan Typical Fees Immediate Coverage? Annual Deductable Number Of
Participating
Dentists
Availability Monthly
Costs For
Individual
Monthly
Costs For
Family
Complaints
per 10,000
Subscribers1
Notes
Dentalplans.com Typical: Exam $14
Cleaning $33
X-Rays $15
Filling $20
Yes none 100,000 Nationwide (US& Canada) Varies with plan; Aetna costs $99.95 for 15 months of coverage (equivalent to $6.66/month) Varies with plan; Aetna costs $149.95 for 15 months of coverage (equivalent to $9.99/month) 0.46
(few
complaints)
 
National Health
Care Discount
Denticare
Exam $5
Cleaning $15
X-Rays $15
Filling $20
Yes none 20,000 not available in ME, VT, RI, ND, ID, AS, HI $14 $15.75 0.29
(few
complaints)
 
Careington3, Nationwide (low option) Exam $11
Cleaning $25
X-Rays $34
Filling $34
Yes none 6500 in California, 11,500 Outside California Low option not available in CA $9 $15 0.05
(few
complaints)
 
Pacificare, California Exam free
Cleaning free
X-Rays free
Filling $15
Yes none 6500 in
California
CA Only $15.50 $35 0.05
(few
complaints)
 
Smilesaver low option Exam Free
Cleaning $20
X-Rays Free
Filling $34
yes none 4000 in
California
Only available in California $6.75 $12.75 0.15
(few
complaints)
 
Smilesaver high option Exam Free
Cleaning Free
X-Rays Free
Filling $9
  yes   none 500 Only available in California $16.50 $33.00 0.15
(few
complaints)
 
Northeast Dental Plan   Exam Free
Cleaning $40
X-Rays $25
Filling $37
yes none 4500 Available only in CT, FL, MD, MA, NJ, NY, PA, RI, VT, VI, DC   $7.08   $16.25 unrated  
Security Life Insurance Company Exam $10
Cleaning $20
X-Rays $30
Filling $45 (after deductable)
Wait 6 months, 18 months on major dental work
$50   All dentists included Not available in Idaho, NC $26 per
month
$71.50 per
month
0.72
(Moderate
complaints)
Indemty Plans Also Available
Ameriplan Exam $12
Cleaning $25
X-Rays $30
Filling $40
Yes None 18,000 Caution Not listed by California Department of Managed Care $11.95 per month $19.95 per month No Data Sold as a Multilevel Marketing (MLM) plan. Many members are "agents" trying to sell insurance.
Notes:
  1. Complaint data from State of California, Department of Corporations, Summary of 1998 or 1999 Enrollee Requests for Assistance. And California department of managed care summary of 2000 enrollee complaints. The complaint rate for all dental plans varies from 0.0 to 20.1 per 10,000 enrollees. Section 1397.5( b) of the Knox- Keene Act requires the following disclaimer: THIS INFORMATION IS PROVIDED FOR STATISTICAL PURPOSES ONLY. THE COMMISSIONER OF CORPORATIONS HAS NEITHER INVESTIGATED NOR DETERMINED WHETHER THE COMPLAINTS COMPILED WITHIN THIS SUMMARY ARE REASONABLE OR VALID.
  2. There are 28 other plans not listed above. Most are available only via employer groups.
  3. Please note that Careington is not insurance and does not make payments directly to providers. It is a discount program and you are obligated to pay for all health benefits. You will receive discounts for certain health care providers who have contracted with the plan. This plan is administered by Careington International Corporation, 7400 Gaylord Parkway, Frisco TX, 75034. The program and its' administrators have no liability for providing or guaranteeing service or the quality of service rendered. Note to Utah residents. Careington's contract is not protected by the Utah Life and Health Guarantee Association.
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