Illinois Dental Plan Quotes

illinois health insurance quotes has partnered with www.dentalplans.com, the nations #1 leader in affordable discount dental plans. These dental plans will allow you to save over 50% on the average and will cover all dental procedures including crowns, fillings, dentures, braces and even cosmetic dentistry.

 We offer dental plans for the individual, family or group at affordable rates Statewide. Unlike traditional dental insurance, all of the dental plans we offer are easy to use with no limit to the number of yearly visits, no waiting periods, no confusing paperwork, no annual deductibles, no age or income limits, and most importantly, all pre-existing dental conditions will qualify.

What are the differences between traditional dental and discount dental plans?

Traditional Dental Insurance in Illinois

As a rule, large groups and businesses in Illinois utilize traditional dental insurance plans to cover their employee's dental care costs. Traditional dental insurance is considered to be true insurance where monthly premiums are paid for defined coverage. Dental care insurance is not readily accessible to an individual or family, unless provided to them by their employer.

A few drawbacks to traditional dental insurance plans are annual maximums, deductibles, waiting periods for certain procedures, and limitations and exclusions of certain items. There are also claim forms to fill out and submit. Traditional dental insurance usually covers the cost of preventive services (such as cleanings and checkups) at 100% after the deductible is met. Annual deductible is usually $50 per covered individual. While you can use any dentist in Illinois, the monthly premiums reflect this and are expensive.

Discount Dental Plans in Illinois

Discount dental plans, on the other hand, are available for the millions of Americans that do not receive dental benefits through employer. Discount dental plans are designed to provide consumers access to Illinois dental networks at reduced rates. These plans, are commonly known as referral or reduced fee plans, and are not considered an insured dental plan. Discount dental plans are affordable and are the most widely available dental insurance programs for an individual or family in Illinois. These discount plans work differently than dental insurance plans, yet provide consumers with real and substantial savings on most dental procedures.

Discount dental plans are membership-based programs that usually provide coverage on an annual basis. Consumers pay a membership fee in exchange for secured discounts on most dental services, such as dental exams, routine cleanings, fillings, extractions, root canals, dentures, crowns, and braces. These plans typically save the consumer ten to sixty percent off standard out-of-pocket fees when visiting a participating network provider. Most discount dental plans provide a fee schedule with the discounted fee listed in the membership plan to ensure consumers will receive their promised savings. While there are several difference between the traditional and discount dental plans, they can be used together effectively in certain cases, such as with braces which are seldom covered by a traditional dental plan in Illinois.