Dental care can be expensive, yet it is important and can’t be ignored or neglected. If you’ve ever had a toothache, you know how mind-numbing and annoying the pain can be. That is why many have chosen to opt for a significantly cheaper choice – to sign up for a healthshare dental plan instead of standard health insurance.
To briefly remind you, healthshares are a part of shared health networks, which are religion-based and work based on a community of members sharing medical costs (as long as the requirements are met, such as paying the monthly premium).
In this article, I will review for you 5 of the best healthshare dental plans so that you can easily compare them and see what works the best for you. Let’s get started!
THE BEST HEALTHSHARE DENTAL PLANS
1) OneShare Health
OneShare Health is a healthcare organization that has origins in the Anabaptist faith. This healthcare ministry offers dental care in two of its plans: Classic and Complete.
The Classic plan covers a wide range of services, with a focus on preventive healthcare and the reduction of hospitalization costs. This program has three different options: Basic, Enhanced, and Crown. The difference is in the coverage of certain services. You can see the differences in the chart below:
The members also get a discount on dental and vision medical services, diabetic care/supplies, and more, hearing care, LASIK, preventive screening and prescriptions.
The Complete plan is intended for families or individuals who need a broad range of medical services or have ongoing health concerns or medical needs. The members get a discount on everything the Classic plan includes plus Labs and Vitamins. Here is the chart showing the benefits of this plan:
2) Altrua HealthShare
Altrua Healthshare offers 4 different programs: Ruby, Sapphire, Emerald, and Diamond. These programs differ in their MRA, cost, and the benefits that they provide.
The Ruby program is the cheapest, for only $105 per person, regardless of their age. The second cheapest is Sapphire, for $140 to $345 per person, depending on the member’s age. Next is the Emerald program, for $250 to $415 per person. Finally, the Diamond package – the most luxurious option – costs from $280 to $485 per person, depending on age. If you would like to know more about the pricing and what is included in each of the packages, visit their price list here.
Among other benefits, the members of Altrua Healthshare are offered 20%-50% discounts on most dental procedures. It is a great way to cut down costs and get the most out of the money that you are paying for dental care!
3) Trinity HealthShare
Trinity HealthShare offers a package called Trinity Dental, which helps you both improve and maintain dental health. It has a low MSRA (Member Shared Responsibility Amount) of just $50 and offers program year maximum sharing eligibility up to $2,000. It provides sharing eligibility for preventive, basic, and major dental procedures as long as you pay the low consult fees.
This package covers preventative services, routine exams and cleanings, bitewing x-rays, full mouth/panoramic x-rays, children’s services, fluoride treatment and sealants, sealants, space maintainers, simple restorative services (fillings), adjunctive pre-diagnostic oral cancer screening for members over 40 years of age, simple extractions, emergency treatment, oral surgery, repair of crown, denture or bridge, periodontics, endodontics, inlays, and onlays.
If you wish to maximize the savings, you can combine this package with the Trinity Vision package.
This package has two options: for ages 18-50 starting from $44.95, and for ages 51-64 starting from $52.90. They are good all-rounder packages that cover many dental services.
4) Liberty HealthShare
Liberty HealthShare offers 3 different programs: Liberty Complete, Liberty Plus, and Liberty Share. To be eligible for sharing medical costs, you must pay an annual unshared amount ($1,000 for an individual, $1,750 for a couple, $2,250 for a family) which is the same for all three packages. Two of the packages – Liberty complete and Liberty Plus – offer SavNet discounts on dental and more, so these are the two plans you should consider. I will provide you with the price list below:
5) Health Share of Oregon
Health Share of Oregon provides different health plans, including dental plans. These are the 5 health plans that this organization offers:
All of these plans are practically different programs, so make sure to choose the one that interests you from the list and read all the info that you will be given. From what I could see, these programs will also let you choose your dentist, which is nice – you may ask your family and friends for a recommendation, or do a little internet surfing yourself to see who you’d like to entrust with your dental health.
TIPS FOR CHOOSING HEALTSHARE DENTAL PLANS
Finally, I would like to touch upon some general tips about choosing your dental plan.
1) Consult your needs and medical history
If you have a high chance of getting an inherited dental anomaly (such as hypodontia and enamel defects), make sure that the plan for which you intend to sign up covers the potential treatment. Also, consider what your expectations are from the plan. Do you intend to be covered for routine check-ups, surgeries, and emergencies, or both? Will you need dentures or braces? Do you perhaps wear them already? These are all the things that you should consider when signing up.
2) Read the guidelines carefully
This rule goes for anything that you sign up to, but it is very important. Ending up at the dentist’s because of a nasty emergency could ruin your day, but knowing that your dental plan doesn’t cover it (and you thought it does) is even worse. Read the fine print, too, and ask questions if something isn’t clear. Some healthshares are also restricted to certain states, so pay attention to that, too.
3) Pay attention to the requirements
Some healthshares have strict rules pertaining to their beliefs or expectations. Some uphold Christian beliefs and will ask you to not smoke, drink, or have extramarital sex; others only accept members that are single or in a traditional marriage.
Your dental health is important, so do your research before you decide to sign up for a plan. After you’re done, smile with relief – your future is safer, thanks to a good choice you have made!