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Insurdinary: Making Dental Care Accessible to All

Dental care continues to increase in costs, especially in the United States. Between 1996 and 2016, the average cost of dental care increased by 59%. In 2016, the average person spent $313.37 on dental care, while geriatric patients spent approximately $451.02.

Other nations, such as Canada, have programs to reduce these costs. Starting in 2022, the Universal Dental Care Canada Program made universal dental care available in phases. What began as universal health insurance quickly expanded to dental services, with children under 12 already receiving Canada Dental Benefit eligibility. While all services may not be “free,” eligible covered services include the following:
  • Diagnostic and preventative services
  • Restorative, endodontic, and periodontal services
  • Prosthodontic and orthodontic services
  • Surgery and adjunctive services
Without universal dental care, people must rely on private dental insurance plans for peace of mind and protection against high-expense dental emergencies. The average dental insurance plan in the U.S. costs $20 to $50 a month for standalone plans, equating to up to $600 annually.

Expenses rise beyond these averages with non-covered treatments and emergency scenarios. For example, if you lose a tooth, a single dental implant can cost over $2,000. If your child needs braces, you can expect to pay up to $5,000.

Without dental insurance, routine visits and unexpected costs can quickly deplete your savings. One in five low-income U.S. adults cannot receive the dental services they need due to the cost of care, resulting in poor dental health.

Insurdinary wants to help you and your family find the dental coverage you need that aligns with your budget so you can prioritize your oral health.

3 Simple Steps to Excellent Dental Coverage

Keep your pearly whites looking and feeling healthy. Dental insurance gives you the coverage you need – including preventative care, cleanings, and emergency treatments.

Avoid paying out of pocket for your dental work. Apply for dental insurance online and get personalized quotes directly in your inbox.
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1. View Plan Options

Answer a few simple questions to receive a list of all the dental plans that meet your needs.
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2. Select a Personalized Plan

View dental plans side-by-side to compare approval criteria, available coverage options, in-network providers, dental services, and more.
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3. Receive Quote and Apply

Receive instant quotes which have been selected based on relevance to your needs. View how prices change as you add or remove different dental benefits.
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How the Dental Care System Works

The United States dental care system, as an example, is complex and for-profit, unlike other nations with universal health and dental coverage policies. Rather than the government guiding and funding the model, dozens of individual insurance companies compete to provide coverage. You pay a monthly premium to your insurance company, and in exchange, they cover part or all of your dental cleanings, checkups, and restorative procedures like crowns, fillings, and more.

Because of this competitive model, the cost of dental insurance continually rises while the services and outcomes remain the same. Only 70% of Americans under 65 have dental insurance, with approximately 77 million citizens compromising their oral health without coverage. By comparison in Canada, a reported 64.6% of people have all or part of their dental needs covered.

6 Reasons Why Dental Care Is So Expensive

Paying for dental services out-of-pocket is a recipe for financial disaster, making coverage a necessity for anyone hoping to avoid medical debt.

At Insurdinary, we help you find a dental insurance policy that gives you the coverage you need at a price point you can afford.

To understand the costs behind your coverage, you must learn why dental services are so expensive in the first place.
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Here are the reasons why:

Sterilization control increases equipment costs

Dental practices must follow strict sterilization protocols requiring many one-time-use instruments, which create high equipment costs. For example, providers can only use gauze, dental burs, syringe needles, saliva injectors, scalpel blades, and high-volume evacuation tips once.

Overhead costs increase with the real estate market

Like any other office space, the cost of opening and running a dental practice continues to rise with increased real estate prices.

Labs aren’t as widely available as many think

Many dental practices outsource their lab work to countries like Mexico or China. Finding local sourcing is more challenging in the dental field than in other medical practices.

Care standards keep rising

As specialized care standards continue rising, dental teams must pursue further education and certifications to meet modern demands. Providing education or travel to a dental course for a single employee can cost thousands.

Dental experts are high commodities

The average dentist makes over $100,000 each year, so employing a team of general dentists, specialists, and assistants requires high service costs.

Insurance companies make payments more complex

Many dental insurers only cover portions of services for their patients, depending on the plan. Because of billing complexities, practices must charge patients high costs.

Private Dental Insurance Options

The primary three types of private dental insurance plans include the following:

Fee-for-service Dental Insurance (FFS)

Fee-for-service, or indemnity, dental insurance plans are the most traditional type of policy because of their flexibility, though they’re losing popularity because of the higher expenses.

With FFS plans, you can choose your own provider, and the insurer will reimburse you a percentage of the fees, depending on the services provided.

FFS plans typically prioritize the quantity of services over quality, reducing their popularity.

Dental Health Maintenance Organizations Plans (DHMO)

DHMO plans are the most affordable private dental insurance plans, though they offer the least flexibility.

The insurer will assign you a set of providers that you may receive coverage from. If you wish to see a specialist, like an oral surgeon, you must see one of your covered general dentists first for a referral. Without this referral, you will have to pay out-of-pocket.

Preferred Provider Organizations (PPO)

PPO plans offer ideal control and flexibility, though they typically come with higher premiums.

With a PPO plan, you’ll receive a much larger list of covered providers, including specialists and general dentists.

You may also use your PPO plan to see out-of-network providers while still receiving partial coverage (but you may need to pay a higher deductible and fee).

Choosinga Dental Insurance Plan

You have a few dental insurance options to choose from, depending on eligibility:
  • Employer-sponsored dental insurance
  • Private dental insurance (Fee-for-service plans, PPOs, DHMOs)
  • Referral or discount plans
  • Exclusive provider organizations (EPOs)
Many people combine their dental and health insurance plans from a single provider for savings and convenience. You may also stack dental plans if you wish to have multiple layers of coverage. With dental insurance stacking, you will have a secondary plan that kicks in if your primary plan does not cover the services you require.
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Do You NeedDental Insurance?

Simply put, yes. When considering the rise in dental care costs combined with the lack of government-funded coverage options, not having dental insurance is extremely risky for your oral health.

Many think of dental care as cosmetic cleaning services, but oral health can impact your life as much as any other bodily system. While dental insurance can seem expensive up front, it protects your health, confidence, and savings. The alternatives to dental insurance typically cost you far more in the long run.

Below, we discuss the top four reasons you need dental insurance.

Dental Insurance Legal Requirements

In the United States, the Affordable Care Act of 2010 (ACA) aims to make health and dental insurance more affordable and accessible to all. This law includes multiple coverage requirements for adults and children in the United States.

Following the ACA, children under 18 must have available dental coverage with their existing health plan or through a third-party organization. While dental coverage must be available to families with children, they do not have to purchase a plan.

Dental coverage is not currently a legally required health benefit for U.S. adults over 18. Because of this law, not all adult health plans have to offer dental coverage benefits.

Dental insurance legal requirements from the ACA seek to make coverage more accessible, though you are not legally required to have it.

The Cost of Out-of-Pocket Care

The primary benefit of having dental insurance is avoiding out-of-pocket costs. Without dental insurance, you must pay for 100% of your dental care services, which can quickly stack up.

Between emergency dental surgeries, cavity fillings, children requiring braces, wisdom teeth removals, cracked teeth, gum disease, and more, your dental bills can easily exceed five figures.

Not many people have the savings for unexpected dental costs. Spending thousands is entirely unnecessary when you can prevent these costs with dental coverage.

Dental insurance companies negotiate with providers for lower service costs. As an individual without insurance, you’ll always be required to pay full price.

Preventative Care You Can Receive with Insurance

If you must pay out-of-pocket for all of your dental care fees, you’ll likely want to avoid every service you can.

Dental insurance plans typically cover all preventative care services that can keep your teeth and gums healthy. By monitoring your health and regularly receiving routine services, you can prevent severe, expensive problems from developing.

Without dental insurance, you may forgo these preventative treatments and exams, allowing critical conditions to develop further.

Peace of Mind with Stress-free Insurance

You want to feel comfortable biting into an apple or enjoying late-night sweets without constant fear of high dental bills.

Those without dental insurance coverage hesitate to enjoy certain foods and activities that put their teeth and gums at risk because the worst-case scenarios can mean excessive debt.

Without dental insurance, you could encounter a simple accident any day, like a slip and fall that chips your front tooth, leaving you financially distraught for months.

While dental insurance may not be free, it saves you from paying out-of-pocket for every dental service you need.

Why Pick Insurdinary for Dental Insurance Quotes?

At Insurdinary, we know that navigating the complex dental insurance world independently isn’t easy. We do the complicated work for you, so you can receive tailored dental insurance quotes in just a few clicks. With our advanced matching system, you’ll find the coverage you need at a cost you can afford.
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Skip the shopping around and receive quotes from dozens of different insurers.

With Insurdinary, you answer a few questions and immediately compare your options side-by-side.
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Lock in the Lowest Rates

At Insurdinary, we work with all the top dental insurance providers to help you discover all of your affordable coverage options.

If you need a locked-in, budget-friendly rate for dental coverage, we can help!
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No one wants to complete mounds of paperwork for multiple applications.

We help you apply for coverage in a few simple steps.

Our sign-up process is 100% free and convenient!

Picking the Right Dental Plan for Your Needs

Are you overwhelmed by the number of dental benefit options? Juggling your budget, lifestyle needs, and family requirements can make it hard to understand which type of dental plan is right for you and your loved ones. At Insurdinary, we make the process as easy for you as possible, so we only show you options that align with your needs. You can sort through your plan choices based on the benefits you actually prefer, so you don’t waste funds on coverage you won’t use.

With Insurdinary, you can compare dental insurance quotes based on the following benefits:

Get coverage for:

Diagnostic and preventative care (cleanings, checkups, X-rays)
Basic care (fillings, extractions, pain resolutions, root canals)
Major restorative care (crowns, bridges, implants, surgery)
Orthodontics (braces, retainers)
Cosmetics (teeth whitening, veneers)
Pediatric services
Root canals
And More...
Each insurance provider offers varying benefit options and waiting periods before your coverage kicks in. You can use our tool to compare rates and find a plan that aligns with your family’s needs.
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How to Select and Customize Your Dental Plan

At Insurdinary, we show you all the need-to-know details for your top plan options so you can easily make the best choice. We understand that selecting dental insurance is an important decision, so we do the research for you to make choosing a plan simple.

To make the process easier, consider the critical factors below when comparing your top choices with Insurdinary.

Calculating Costs

Dental insurance rates vary from person to person. Everything from your age to your lifestyle can impact whether you spend a few dollars, hundreds or thousands of dollars per year.

The top factors impacting your rates include the following:
  • The dental insurance provider
  • Your age
  • Your marital and family status
  • Location
  • Lifestyle factors, like tobacco usage
  • Your income
  • The type of plan you purchase (PPO, DHMO, etc.)
  • Policy bundling
  • Your deductible
The level of coverage The amount you pay depends on how much the insurer predicts you will cost them per year.

Predictions come from proprietary risk analysis frameworks, which means you can receive massively different quotes between insurance providers.

Understanding Deductibles

All insurance plans include deductibles which refer to the amount you must pay before your coverage kicks in.

Deductibles can range from as low as $0 to thousands. For example, if your deductible is $30, you must pay this much of your bill before your insurer pays the rest.

Typically, lower deductibles come with higher monthly premiums, and high-deductible plans cost less monthly.

Comparing Cost-sharing Options

Cost-sharing refers to splitting care costs with your dental insurance provider.

The two main forms of cost-sharing include the following:
  1. Copayments: A fixed cost you must pay each time you visit the dentist. For example, you may have a copay of $30 for every general dentist visit. Even if the appointment costs $300, you will pay the flat rate of $30, and your insurance will pay the remaining $270.
  2. Coinsurance: A fixed percentage of each bill from your dentist that you are responsible for paying. If you haven’t fulfilled your deductible, you will have to pay in full before the insurance copays the rest. For example, you may have to pay 25% of every visit after fulfilling your deductible. For more expensive visits, coinsurance may become pricier.

Finding Affordable Plans

The best way to find affordable dental insurance plans is by comparing quotes.

If you only apply with a single insurer, you will not know the potential savings you could receive elsewhere. Every organization determines rates differently, so you want to find the best one for your needs.

For example, every state typically has a few insurers that offer the cheapest rates. What may be the lowest-price insurer in California could be the most expensive in Georgia.

At Insurdinary, we make it easy for you to find the most affordable dental insurance plan possible. Simply answer a few questions and receive customized quotes that align with your coverage needs in minutes.

Keeping Your Dental Costs Low

Aside from comparing your quotes, you can reduce your dental insurance costs and bills by following our tips:
  • Pick a high-deductible plan. High deductible plans typically cost less each month, though you must cover more payments before your coverage kicks in.
  • Select an HMO plan. While HMO plans have less flexibility in provider options, they often offer lower rates, allowing you to save each month on premiums.
  • Start a health savings account (HSA). HSAs allow you to contribute pre-tax funds to a savings account that you use for medical and dental expenses.
  • Protect your oral hygiene. Protecting your oral hygiene by brushing your teeth twice a day, flossing regularly, and following other dental recommendations can prevent costly dental issues.
  • Say yes to recommended treatments. Accepting recommended preventative treatments means avoiding the expensive procedures associated with severe dental health issues.

Dental Insurance
Frequently Asked Questions (FAQ)

At Insurdinary, we know that selecting a new dental insurance plan for you and your family isn’t a decision to take lightly. Review answers to frequently asked dental insurance questions below so you can confidently pick a policy.

How Can I Pick the Right Dental Insurance Plan?

When you use our rate comparison tool, you’ll receive a list of all the best plan options for you, but how do you narrow them down from there? Picking the right dental insurance plan boils down to two key factors:
  1. Selecting enough coverage to protect your family’s health and budget
  2. Picking a plan that you can afford to pay for each month
Keep both of these items in mind when comparing your options with Insurdinary.

What Does Dental Insurance Cover?

The best part about using Insurdinary is that you get to pick exactly what you want your dental insurance to cover. Coverage varies based on plan and provider. Most plans cover portions of preventative care, routine exams, cleanings, and X-rays, while many also include major restorative services, surgeries, orthodontics, and more.

How Can I Save Money on My Dental Plan?

You can save money on your dental plan by using these tips:
  • Compare rates: The best way to save is by comparing quotes across insurers and picking the best one for your needs.
  • Ask for discounts: You may be eligible for discounts based on your health, lifestyle, history, affiliations, and more.
  • Bundle policies: You may save money by bundling your dental and health insurance policies with the same organization.

How Long Does It Take To Receive Dental Quotes From Insurdinary?

After completing our brief questionnaire, you’ll receive quotes from your best-fit insurance organizations in only a few minutes.

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