Illinois – Individual Dental Plans


Dental Insurance for Families

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Dental Insurance for Seniors!

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 Sprit Individual Dental Plans

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Dental Insurance Overview

If you don’t have dental coverage from an employer, you will find that most insurance companies do not offer individual dental insurance plans.

Many companies claim to offer individual dental insurance when they are actually selling discount plans that only provide discounts for dental services at participating providers and do not provide actual insurance benefits.

The plans from Ameritas Dental, Aetna, Humana Dental, Spirit Dental, and Primestar Dental below are individual and family dental insurance plans, not dental discount programs.



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Ameritas Dental Plans

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Ameritas Dental Plans

Ameritas offers dental plan options to fit your needs backed by one the largest dental networks nationwide and award-winning service. It’s really that simple.

  • Discounted fees, typically 30% below average charges in your community
  • Two exams and cleanings per year covered at 100%
  • Up to $2,000 annual maximum benefit amount per person*
  • The freedom to choose any dentist or utilize the Ameritas Dental network with over 428,000 access points and 111,500 unique providers
  • No enrollment fees
  • Coverage for all ages (18+) at a single rate
  • A 30 day customer satisfaction guarantee
  • Dental plans are also available to Seniors ages 65+
  • No Waiting Periods – even on major services
  • Orthodontia covered up to age 19

Plan Designs

Ameritas offers 4 plans: Advantage and Advantage Plus coverage levels, and Network and non-Network variations of the two coverage levels. Network plans provide great discounts for using in-network dentists.

Advantage
  • ​Designed for those who will utilize an Ameritas Dental Network provider
  • Coverage levels increase year after year
  • Plan providing coverage beginning day one
  • $1,000 maximum per year benefit
Advantage Plus
  • Designed for someone looking for higher coverage levels
  • Includes orthodontics and implants
  • Coverage on major services starts day 1, but increases year over year
  • $2,000 maximum per year benefit
Network vs. Non-Network
  • All plans offer out-of-network benefits
  • Non-network plans provide higher levels of coverage for non-network dentists
  • Network plans are cheaper, and are a good way to save money if your dentist is in network

 

VSP Vision Base Plan

  • Affordable vision insurance coverage.
  • No waiting periods.
  • Guaranteed issue. No age or regional pricing schedule.
  • Coverage includes frames, lenses, contact lens, eye exams, and more.

The largest network of independent doctors. VSP vision insurance is accepted by more than 50,000 doctors nationwide.

Single Rate: $15.00/mo
Member + Spouse Rate: $25.00/mo
Member + Children Rate: $22.00/mo
Family Rate: $35.00/mo
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 Using your VSP benefit is easy.

  • Register at vsp.com. Once your annual plan is effective, review your benefit information.
  • Find a VSP doctor who’s right for you. To find a VSP doctor, visit vsp.com. Choose a Premier Program location to get the most out of your eye care experience.
  • At your appointment, tell them you have VSP. There’s no ID card necessary. That’s it! We’ll handle the rest—there are no claim forms to complete when you see a VSP doctor.

 

Exclusive Member Extras

  • Get an Extra $20 to spend when you choose a featured frame brand like bebe®, Calvin Klein, Cole Haan, Flexon®, Lacoste, Nike, Nine West and more! Visit vsp.com to find a VSP doctor who carries these brands and to see all of your Exclusive Member Extras.

VSP Easy Options Vision Plan

  • Affordable vision insurance coverage.
  • No waiting periods.
  • Guaranteed issue. No age or regional pricing schedule.
  • Coverage includes frames, lenses, contact lens, eye exams, and more.

The largest network of independent doctors. VSP vision insurance is accepted by more than 50,000 doctors nationwide.

Single Rate: $18.00/mo
Member + Spouse Rate: $35.00/mo
Member + Children Rate: $30.00/mo
Family Rate: $42.00/mo
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Aetna Individual PPO Dental Plans

Documents

Aetna Individual Advantage Dental Plans

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Aetna Individual Advantage Dental has two plans to meet your meets – the Aetna Individual AdvantageSM Dental PPO Plan and the Aetna Individual AdvantageSM Dental PPO Plus Plan. They both offer coverage for:

  • Preventive care services such as cleanings, x-rays and more
  • Basic care like fillings, simple extractions, root canals, basic restorative work and more
  • Major services such as bridges, crowns, dentures and more

Features of the Standalone Dental Plans include:

  • No underwriting required – plan is automatic issue
  • Members who access participating PPO dentists will receive discounts (equal to the PPO negotiated rate) for non-covered services such as tooth whitening and adult orthodontics
  • All Individual Advantage PPO Dental Plan members get access to Aetna’s Value Added Discount Programs. Members can save on: Vision, Natural Products and Services, Fitness, and discounts on Oral Health Care Supplies. In addition, discounts on vitamins, massage and acupuncture discounts are also available

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Humana Dental Plan C550

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The Humana Pre-Paid Dental Plan C550 (also referred to as CompBenefits Plan C550 since Humana’s purchase of CompBenefits in 2007) gives you access to services with low co-payments through a wide network of dentists. This is a great plan for individuals who want:

  • No co-payments on many diagnostic and preventive procedures
  • Confidence that you will save money on dental care.
  • No benefit maximums

Plan Features

  • 100% coverage on many diagnostic and preventive procedures. You pay nothing for this dental work.
  • Low $10 office visit co-payment
  • Discounts on Specialty Care and certain Cosmetic Procedures
  • No benefit maximum or claim forms
  • A provider network with more than 5,000 network dentists
  • Specialty care and some cosmetic procedures covered at a discount

How It Works

  • First, sign up for coverage. When you are filling in your application you will need to select your Primary Care Dentist. Family members under the same plan may select different dentists.
  • You visit your dentist and pay only the fees listed on the schedule of benefits PDF icon.

humana9-e1423634845263
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Humana Preventive Plus Plan

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If you’re looking for a dental PPO plan, this one is low-cost and provides coverage for preventive care, such as cleanings and X-rays, and offers discounts on basic and major services. Plus, there are no copayments for office visits.

With the Preventive Plus plan, you can choose to visit any dentist in the Humana dental network. There are more than 120,000 in-network dentists nationwide to choose from. Even though you have the option of paying monthly or yearly, this is a one year plan.

Plan features include:

  • No copayments for office visits
  • Annual Deductibles: $50 for an individual, $100 for a two person plan, $150 for a family
  • Preventive services covered at 100% with in-network providers
  • With in-network providers, many basic services are covered 50 percent and you get a discount on most major services
  • No waiting period for preventive services; six month wait for basic services
  • $1,000 annual maximum per person per year
  • No exclusions for pre-existing conditions
  • Freedom to visit any provider, no primary care dentist required

Primestar Individual Dental Plans
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PrimeStar Dental Plans

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PrimeStar Dental Plans offer reasonable premiums starting at $23 per month and feature:

  • No Enrollment Fee
  • Up to $2,000 Annual Benefit Option
  • 100% Preventive Coverage Option
  • No Waiting Periods for Most Services
  • Choice of Multiple Plan Designs
  • Initial 12 Month Rate Guarantee
  • Freedom to Use Dentist of Your Choice
  • Optional Vision Coverage

Primestar Senior Individual Dental Plans
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PrimeStar Senior Dental Plans – Ages 60+

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PrimeStar Senior Dental Plans offer reasonable premiums starting at $23 per month and feature:

  • Freedom to Use Any Dentist of Your Choice – optional network available for additional savings
  • No Enrollment Fee
  • Up to $2,000 Annual Benefit Option
  • 100% Preventive Coverage Option
  • No Waiting Periods for Most Services
  • 3 Cleanings Per Year
  • Choice of 2 Plan Designs
  • Initial 12 Month Rate Guarantee
  • Free Hearing Aid Benefit Included

Sprit Individual Dental Plans
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Spirit Dental Plans

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If you’re looking for a dental PPO plan where you can see any dentist you choose, provides coverage for preventive care such as cleanings and X-rays, crowns, bridges, and fillings, and has not waiting period, the Spirit Dental Plan is for you. Plus, there are no copayments for office visits and a $3,500 annual maximum plan with no waiting periods!

Spirit Dental Plan Highlights include:

  • Freedom to Choose Any Dentist
  • No Waiting Periods
  • Guaranteed Acceptance
  • Implants and Major Services Covered
  • 3 Cleanings Per Year
  • Choose From $1,200, $2,500 or $3,500 Annual Maximums

Discount Dental Plans

Aetna Vital Savings Dental Discount Plans
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Aetna Vital Savings Discount Plan

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Aetna Vital Savings is a discount or reduced-fee dental and vision program. This program is designed for health conscious consumers looking to maintain their oral health and minimize their dental and vision care expenses. If your health insurance policy doesn’t cover dental, vision or prescriptions, this plan will save you money of these expenses.

Careington Dental Plans
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CAREINGTON Dental Savings Program

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In our opinion, the CAREINGTON 500 Series Dental Plan is the one of the best discount dental plans available. Their fee reductions are two to three times larger than most discount programs and their network has over 54,000 dental providers to choose from. Some of the largest companies use Careington such as Humana, BlueCross BlueShield, Prudential, and Citigroup.

  • lillysedrick

    Finding a good dental plan can definitely be a lot of work. That is why it is so important that you do your research to try to find a plan that is best for you. You want to make sure that you find a plan with the best possible coverage. I think that it is a really good idea to know what you are looking for specifically before you start doing research.