Best Dental Plan Reviews
Not all Dental Plans are Created Equal

Careington Care 500 Dental Plan at 1Dental.com.

Pros:
Best dental discount schedule in the industry. Immediate coverage available, covers pre-existing conditions, no maximums (use as much as you need), orthodontics included, no claim forms, no deductibles, starts at $6.95 a month (monthly premium payments OK) and save 10% on premium if you pay anually. Vision is included FREE. Also they offer a 45 day money back guarantee on the premium (not on the $20 processing fee). Careington was one of the founding companies of this type of product (since 1979) and is huge - covering close to 8 million members nationwide.

NOTE: Not all Careington plans are the same; the Careington Care 500 Series is has the strongest savings. (Although the Careington POS and Careington Select are good, the savings is not as strong).

Cons:
You must go to their provider network for the plan to be in effect. There is a $20 processing fee when you join.

 

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Pros:
The Aetna Dental Access plan is obviously a name brand provider. They have most of the same features of my number one pick - covers pre-existing conditions, no maximums (use as much as you need), orthodontics included, no claim forms, no deductibles, and save 10% on premium if you pay annually. The Aetna provider panel is probably the largest of all discount dental plans available today.

Cons:
You can never see the full schedule of benefits of what you are buying. For most people this is critical. You must go to their provider network for the plan to be in effect, which is common for discount dental plans. Also you cannot get immediate coverage and for many people this is a deal killer - they need something NOW.

 

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DentalInsurance.com

Pros:
This is a great site with many of the top companies but most importantly includes the Careington 500 (see 1Dental.com). Is this the best of both worlds?! See Cons below.

Cons:
They include the Careington 500 plan (rated #1) but charge more than 1Dental.com! Oh well.....
Also, on the initial landing page they require you to enter your email address to see the different plans. I refuse to do this so I just make up an email address and can access the site that way.

 

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Ameriplan.com

Pros:
This plan includes not only dental, but vision, prescription, and chiropractor. This plan is sold through network marketing (see cons below) and has been in business since 1992. They currently have approximately 1 million members. They have most of the same features as the other plans... they cover pre-existing conditions, have no maximums (use as much as you need), orthoodontics included, no claim forms, and no deductibles.

Cons:
This is the most expensive plan listed, starting at $19.95 monthly. Probabley the reason for the high cost is that this is a network marketing plan. Like Dentalplans.com, you can never see the full schedule of benefits of what you are buying - very confusing and makes me wonder. The scariest thing is if you Google Ameriplan the second listing in the organic search is "Ripoff Report". Also, you must go to their provider network for the plan to be in effect.

 

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