Oral health care is important but also expensive. Dental benefits cover routine care and give you financial protection in case you need a costly treatment or procedure. Our partners at ConsumerAffairs researched the best dental insurance in Lansing to help you understand how policies work and which providers to choose.
Regular, high-quality dental care is important for oral and general health alike, but just one appointment for an exam, cleaning and X-rays can cost hundreds of dollars. To get coverage for these visits and other treatments and procedures, many people carry dental insurance in Lansing.
If you don’t have access to dental benefits through an employer or a public benefits program, you’ll find plenty of options from companies selling individual and family plans. But you should understand how dental insurance in Lansing works and what it covers.
There are three main types of dental insurance in Lansing: preferred provider organization (PPO) plans, dental health maintenance organization (DHMO) plans and indemnity (also called fee-for-service) plans. Like health insurance, your policy may include a deductible, copayment, coinsurance and a network of care providers.
Type of plan
Preferred provider organization (PPO)
Pay lower costs for going to an in-network dentist; you pay a percentage of the cost (coinsurance), and the insurance company pays the balance; a deductible and annual maximum usually apply
Dental health maintenance organization (DHMO)
Coverage is limited to in-network dentists; you pay a fixed amount (copay) for a visit; no deductible or annual maximum; cheapest plan option
Indemnity or fee-for-service plan
Choose any licensed dentist; you pay coinsurance; deductible and annual maximum apply; most expensive plan option
The cost of dental insurance in Lansing depends on whether you purchase an individual or family policy, the plan type, your age and if you use tobacco. Typically, the average consumer in Michigan will pay anywhere from $13 to $50 a month for an individual policy.
If you have a preferred dentist, make sure you look over the list of providers before signing up for a plan. Examine how the insurance company classifies different treatments and procedures and what it charges for them. It is common for preventive care to be covered at 100 percent with no deductible and for other services to be covered at 80 percent or 50 percent.
Also, be aware that most dental insurance plans in Lansing have waiting periods for anything beyond preventive care, lasting from six months to one year. Therefore, you shouldn’t wait until you need extensive dental work to apply for dental insurance in Lansing.
Dental savings plans: an alternative to insurance
Dental savings plans are cheaper than dental insurance and have no waiting periods. Members of these plans, which are different from insurance, pay a monthly or annual fee and get discounts on services as long as they visit participating dentists.
Dental savings plans have no deductibles, no limits on use and no claims process. You pay out of pocket at the time of service.
Dental savings plans in Lansing, offering between 10 - 60 percent savings on services, cost about $100 per year for an individual.
1Dental.com offers two dental plans for Lansing, saving customers 15 - 60 percent on dental services. Activate a membership in less than five minutes and begin using it immediately. Staff are available six days per week to answer questions. Reviewers say 1Dental.com representatives are great at explaining plan benefits and helping with sign-up.
DentalPlans.com offers a variety of dental savings plans for individuals and families in Lansing. Members can begin using plans right away and save 10 - 60 percent on most dental procedures. There are no restrictions for pre-existing conditions and no annual limits on savings. Reviewers like that DentalPlans.com matches competitor pricing and lets you switch plans anytime.
You don’t need to have health insurance from UnitedHealthcare in order to purchase dental coverage. The company offers plans for all budgets, with no deductible or waiting period for preventive care. Personalized advice is available from licensed advisors six days a week. Many Michigan customers find United Healthcare’s coverage and support to be satisfactory.