Beam Dental was founded on the idea that everyone deserves access to dental care, centering our mission around closing the gap of the 100 million Americans who don’t. … Beam’s vision is to deliver a fundamentally unique approach to coverage by incorporating dental hygiene behavior into policy pricing at renewal
With SmartPremiums, saving money is as easy as brushing your teeth. With the Beam Brush, the better a group brushes, the lower their premium will go. Other brokers, members, and employers are already enjoying their Beam experience. Beam Dental is the most innovative thing to happen to the dental insurance market, ever
The same great dental coverage you expect with perks– Beam Perks!Tell your company you want Beam Dental! … We’re the modern dental benefits company you’ve been waiting for. Every member receives Beam Perks (our smart electric toothbrush, paste, floss, & refill heads).
Dental PPO plans with a Nationwide network. … Provider Portal is the fastest way to get estimates, view claims status and more! … Looking forward to seeing more patients calling us with Beam insurance!
Does one need Dental Insurance? This question is asked by us in parlance with any kind of insurance.
Well, insurance is a tool that offsets financial losses due to accidents or incidents or unforeseen circumstances. With this in view, insurance is always advocated but if one is young and healthy and doesn’t need to visit a dentist more than twice a year, dental insurance will not be a requirement, since the premium for such insurance may be more than the annual tooth maintenance bill.
People with a turbulent dental history are advised to purchase dental insurance or join a discounted dental plan for the simple reason that dental bills can turn out to be very steep. Millions of Americans are undergoing root canal and cavity procedures despite the fluoride in drinking water. Dental health in the USA has not been of very high standard over the decades. Dental health depends upon a variety of factors including dental hygiene, stress, personal eating habits, nutrition etc
. The programs of dental coverage available are Indemnity Plans, Preferred Provider Plans, HMO Plans and Discount Plans
Dental Indemnity Insurance Plans
These are normal, traditional insurance coverage plans where you get a percentage of your dental bills covered for a monthly fee or premium. Normally a indemnity plan covers 100% of preventive services, 80% of restoration services and 50% of major treatment like orthodontics.
Dental Preferred Provider Plans
These plans cost an average of $40 per month and give you highly discounted rates of dental procedures within the specified network. A few benefits are available outside the network also. These plans are regulated by state insurance departments and fall in the insurance category.
HMO Dental Insurance
These insurance plans are also known as capitation plans. They operate like Health Maintenance Organizations (HMO). These are also regulated by state insurance department and cost between $20-$ 40 a month.
Dental Discount Plans
Discount dental plans are like clubs where you get the best deals when you show your membership card. These are again network based. They give best value to individual and family memberships. This membership is only purchasing a discounted access to a network dentist and is not considered insurance.