Individual Dental Plans
If you only get your teeth cleaned twice a year, it is usually less expensive to pay cash and not have dental insurance. That said, major dental work can cost many thousands of dollars, especially if you need an implant of root canal. For many people dental insurance helps with these costs.
BestOne Dental Plan (Underwritten by Best Life & Health Insurance Company)
The Best One Choice plan gives you freedom to use any provider willing to bill the plan. Should you use a contracted dentist, the dentist agrees to accept payment and not 'balance bill' you if they are not paid enough. Best One uses dentist in the national DenteMax network. There are several options when quoted, but I recommend the more robust "Choice Plan" that offers either a $5000 maximum benefit. The monthly premium is just under $50 per month.
The Choice plan includes all levels of care including crowns, bridges, implants and root canals in addition to preventative, but do view the plan brochure and so that you understand the coverage, waiting periods, and plan limitations and exclusions.
CLICK HERE to view the BestOne Dental Brochure
BestOne Dental will pay for you to see out of network dentists, or you can save money be seeing a contracted dentist and receiving a contracted rates for services without being balance-billed. Click on the link beloTo look up dentists in the national Dentemax Network
CLICK HERE to search BestOne Dentemax Network
Get A Quote and Apply to Best One
Click on the link below to get a quote and to make application: Note that the only payment option is an automatic bank payment. Be prepared with a voided check.
CLICK HERE to get a quote and enroll in BestOne Dental
Using a PPO vs non-PPO Dentist
Individual Dental insurance plans change from year to year, so this page gets updated multiple times per year. It is important to understand the difference to using a contracted dentist (also known as a PPO or In-Network dentist) and and non contracted dentist.
With the In-Network dentist, they agree to a fee schedule and should not 'balance bill' you if they don't think they get paid enough. For example, if a fee schedule for a root canal is $1000 and the plan pays 60%, you can expect to pay $400 with a contracted dentist. With a non-contracted dentist, if he normally charges $1400 and the 'contracted' rate the insurance will pay is $600, you will be billed $800--$400 more than you would pay with a contracted provider.
Conclusion. So while you have freedom to use any dentist, you will likely pay more if your dentist is not in the contracted provider network.
I'm here to help! Give me a call at 503-650-4325 or email me questions at firstname.lastname@example.org and I'm happy to direct you to the plan to fit your needs and budget.
Best One Dental Brochure 2022
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