If you have a question, we hope that the following questions and answers will help.

Q) What is the best dental plan for me?

Although there is no one "best" dental plan, some plans will be better than others for you and your family's dental needs. Plans will primarily differ in how much you have to pay. Although no plan will pay for all the costs associated with your dental care, some plans will cover more than others.

With any dental plan you will pay a basic premium, usually monthly, to buy the dental insurance coverage. In addition, there are often other payments you must make. These payments will vary by plan but essentially are deductibles, copayments, and coinsurance.

Here's a list of key questions to consider in selecting the plan that best meets your needs:

Q) How do I compare dental plans?

You can compare benefits and prices of different plans on the "Step 2: Compare Dental Plans" page. You can view details of benefits for each plan by clicking "Plan Details."


Q) If I have questions while completing an application, how can I reach you?

You can chat online with our service representatives between 8:00am and 5:00pm PT by clicking the Chat button at the top of the page. You can also call us at 877-800-7340: Mon-Fri 6am - 5pm PT.

Q) How can I be sure that my data is kept secure and private?

At mrhealthinsurance, we are committed to protecting your privacy. mrhealthinsurance will NOT SELL, TRADE or GIVE AWAY your personal information to anyone, except those specifically involved in the referral or processing of your dental insurance quote or application. Additionally, we use industry leading technologies to ensure the SECURITY of the information under our control.

We are proud to receive the privacy seal of approval from TRUSTe, the largest privacy organization on the Internet. Click here to read our guidelines for protecting the information you provide us during a visit to our web site.

If you have any questions about our privacy statement or our company policies and procedures relating to privacy, you can contact us at info@mrhealthinsurance.com.

Q) What types of dental plans are available to me?

Dental insurance plans usually are described as either indemnity (fee-for-service) or managed care. Indemnity and managed care plans differ in their basic approach. Put broadly, the major differences concern choice of providers, out-of-pocket costs for covered services, and how bills are paid. Usually, indemnity plans offer more choice of dentists than managed care plans. Indemnity plans pay their share of the costs of a service only after they receive a bill. Managed care plans have agreements with certain dentists to give a range of services to plan members at reduced cost. In general, you will have less paperwork and lower out-of-pocket costs if you select a managed care-type plan and a broader choice of dentists if you select an indemnity-type plan.

Managed care plans are Dental PPOs, POSs, and Dental HMOs (DHMOs).

Q) What is a Dental PPO, POS, and DHMO?

A Dental PPO (Preferred Provider Organization) provides dental care to its members through a network of dentists who offer discounted fees to its plan members. You can typically use dentists out of the PPO's network, but you will only be reimbursed the discounted fee for the services rendered - you will need to pay any additional amount yourself.

A DHMO (Dental Health Maintenance Organization) provides you dental services through a network of providers in exchange for some form of prepayment. If you use a dentist out of the established network of providers, you may be responsible for paying the entire bill.

A Dental POS (Point of Service) plan allows a member to use either a DHMO network dentist or to seek care from a dentist not in the HMO network. Members choose in-network care or out-of-network care at the time they make their dental appointment and usually incur higher out-of-pocket costs for out-of-network care.

Q) What is an Indemnity Plan?

An indemnity plan is commonly known as a fee for service or traditional plan. If you select an Indemnity plan you have the freedom to visit any dentist. You do not need referrals or authorizations; however, some plans may require you to precertify for certain procedures. Most indemnity plans require you to pay a deductible. After you have paid your deductible, indemnity policies typically pay a percentage of "usual and customary" charges for covered services; often the insurance company pays 80% and you pay 20%. Most plans have an annual out of pocket maximum and once you've reached this they will pay 100% of all "usual and customary" charges for covered services.

Many dental indemnity plans also require a waiting period before covering certain services.

Q) What is an office visit copayment or coinsurance?

An office visit copayment is a fixed dollar amount or a percentage that you pay for each dentist visit or for each dental service provided. For example, with some plans you may pay a fixed amount such as $5 or $10 per visit. Other plans will charge you a percentage of the total fee - or coinsurance -- for the visit. So if your copayment is 10% and the dentist visit was $200, you would pay 10% which, in this case, would be $20.

Q) What is a deductible?

A deductible is the amount of annual dental expenses that a dental plan member must pay before the plan will begin to cover expenses. For example, if your plan has a $50 deductible, you will pay the first $50 of your dental expenses before your dental plan begins paying the expenses. Only expenses for covered services apply towards the deductible. For example, if you paid $1,000 for orthodontic work that was not an expense covered by the plan, then the $1,000 will not apply toward your annual deductible.

Q) What is the difference between an in-network and an out-of-network dentist?

An in-network dentist is within the approved network of dentists for a particular dental plan. Out-of-network dentists are not on the list. If you visit a dentist within the network, the amount you will be responsible for paying will be less than if you go to an out-of-network dentist. In many cases, the insurance company will not pay anything for services your receive from dentists outside their network; however, there are exceptions to this.

As a general rule, Dental PPOs, POSs, and DHMOs have provider networks. Indemnity plans typically do not have networks; you go to whatever dentist you want.

Q) What are my options for making payment?

When you apply online through our site, you can make your premium payments by authorizing automatic credit card charges. Normally, your credit card will not be charged nor will your check be deposited until you have been approved. If you are not approved for coverage by the insurance company, your money will be refunded by the insurance company. Any financial information submitted over the web is kept private and secure. Once accepted as a plan member, all bills will be sent from the dental insurance company.

Q) Can I buy dental insurance for less if I buy directly from the insurance company?

No. Insurance companies charge the same premium whether the plan is purchased directly from the company, through a broker, or online through mrhealthinsurance.

Q) What do you mean by best price?

For the plans presented here we can provide the lowest price available anywhere.

Q) Where are the other dental plans I am familiar with?

Not all dental plans sell dental insurance directly to individuals and families. Many, like Delta Dental and Aetna, provide insurance predominately through employers.

Q) I noticed that you do not offer dental insurance in my state. When will it be available in my state?

We are currently rolling out the service throughout the US. Please send us your email address so we can notify you as soon as our service is available in your area.

Q) If I have questions completing an application, whom can I call?

Please call us at 877-800-7340 locally at 612-991-3546 for any assistance you may need and speak to our friendly and enthusiastic customer service representatives: