Best Dental Insurance Illinois

Dental Insurance Illinois

Dental Insurance Costs in Illinois

Dental insurance plans cover treatment, but patients pay a portion of the total cost. Policy holders are responsible for a deductible, which is the amount deducted from the claim. Customers should also expect a copay, or coinsurance, which varies depending on the procedure and the coverage under the plan. For example, a policy might cover fillings and cleanings for a low set price but only cover 50% of the cost of major procedures such as a crown or root canal.

Dental insurance is designed to make dental work affordable, and dental insurance is a good investment. The cost of a plan in Illinois is most affected by what is covered. A plan that focuses on preventive care like cleanings and exams will cost less than a policy that includes more coverage for specialized treatments. Typically, the higher the portion of the services that the plan covers, the higher the premium. Annual maximums, deductibles, and the number of family members covered also affect the price you pay.

Types of dental plans include:

• Preventive care—covers basic services such as exams, cleanings, and check ups.
• Preferred provider—customers choose from in-network providers. Some plans offer further discounted fees when you visit a dentist in the network.
• Prepaid—customers pay a set amount annually for all included services. These plans might offer coverage for major services and include extras such as tooth whitening.
• Dental savings plan—not the same as insurance. Customers get discounts at participating providers on both preventive care and major services.
• Fee-for-service—this refers to plans where dentists agree to a maximum plan allowance as payment in full for services.

In Illinois, preventive care plans start at $14.47 per month, premium plans that provide some coverage for major services start at $28 per month, and dental savings plans start at $79.99 per year.

Dental Insurance in Illinois

More than 8,500 dentists practice in Illinois. The Illinois Department of Public Health provides resources for residents who want to learn about statewide oral health, access care, or check out statistics. Their website has a list of dental insurance providers. The Illinois State Dental Society also offers help with finding providers and information about how to maintain a healthy smile.

The state of Illinois requires dental exams for all kindergarten, second grade, and sixth grade children to attend school. During the past decade, the rate of untreated tooth decay among children decreased from 30% to 22% in Illinois, where dental insurance is affordable and more children are now covered. However, tooth decay still affects two in five children in the state.

Illinois also collects data about the dental health of adults. One in four adults in Illinois has untreated tooth decay. Illinois ranks 16th out of 50 states for adequacy of the state oral health system serving older adults.

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Delta Dental of Illinois

Delta Dental of Illinois offers individual and family plans in Illinois, with premiums starting at $14.47 per month for a preventive care plan. Customers can choose premium or PPO plans. Premium plans from Delta Dental provide coverage for crowns, root canals, extractions, deep cleaning and implants. All plans have low deductibles that range from $25 to $100 per person per year. All plans cover 90-100% of preventive care costs, including exams, cleanings, x-rays and fluoride (age limit applies). Members who choose a Delta Dental PPO plan will have the lowest out of pocket costs. While this company offers a very affordable rate, many reviewers said their claims were not covered. Those who gave good reviews said the plan saved them money and that representatives take extra time and effort to help out in any situation.

Delta Dental of Illinois
Address	111 Shuman Blvd, Naperville, IL 60563
Phone Number	1800-323-1743

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TruAssure Insurance Company

TruAssure Insurance Company offers a choice of two dental savings plans for individuals and families: the True Savings Choice Plan and the True Savings Reach Plan. The True Savings Choice Plan is $89.99 annually for one member and $129.99 annually for a family; this plan includes unlimited cleanings and 20-60% off of dental services. The True Savings Reach Plan includes discounts on orthodontics, unlimited cleanings, and cosmetic dentistry, along with 20-50% discounts on dental procedures. The Reach Plan is $79.99 per year for one member and $99.99 for a family. Reviewers said this plan was easy to enroll in and was a good value.

TruAssure Insurance Company
Address	111 Shuman Blvd, Naperville, IL 60563
Phone Number	1888-559-0781

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Blue Cross Blue Shield Of Illinois Authorized Retail Office

Affordable Health Insurance Corporation is an online broker. Consumers can learn about dental insurance and compare top providers in Illinois. Partner providers include Delta Dental, Spirit Dental and Vision and IHC Health Solutions. Use the company website to select an insurance provider to get a quote, and read about terms you might encounter when signing up for or using your dental insurance. Reviewers who gave five stars said customer service representatives were friendly and knowledgeable, and helped them get a lower rate on insurance. Others said they liked this company’s dental providers.

Blue Cross Blue Shield Of Illinois Authorized Retail Office
Address	402 S Arlington Heights Rd, Arlington Heights, IL 60005
Phone Number	(847) 818-0688