Health Insurance  Information

Frequently Asked Questions


Why should I purchase my dental insurance from 3DQuote.com?

3DQuote.com gives you the information you need to make your dental insurance purchasing decision with confidence. We provide you information all the top-rated dental insurance companies. We provide instant individual and group dental insurance quotes, an online dental insurance application, and an online 24 hour a day e-mail status site.  We give you simple instructions, and competent and qualified staff to respond to your needs over the net or over the phone.

We provide a TOLL FREE telephone number for your convenience ... 1-800-849-0953. It has never been easier to purchase individual or group dental insurance. For more information please visit About Us.  Our extraordinary carrier database means more choices for you and you can rest assured that you can purchase for the lowest premiums available.


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Dental insurance defined

Dental insurance is an insurance policy covering a person's medical , hospital, and emergency care according to the terms of the dental insurance policy.  It is often offered with a variety of additional benefits.  Dental insurance policies generally do not have long term rate guarantees.  The benefits and rates generally vary according to the dental insurance policy.  Individual dental insurance policies generally covers individuals and their families.  Group dental insurance is often provided through an individual's employer.  Individuals and their spouses and children are often covered by dental insurance.  .

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Choosing a dental insurance company

Dental insurance is very much like many common commodities in the market place. It is a product that varies very little from dental insurance company to dental company. Generally the biggest difference in the product is the price. So that you can choose between many different dental insurance companies and see the price difference, we provide you a comparison of approximately 25 of the best rates for your age from California's top-rated dental insurance companies.

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What kind of dental insurance do I need?

3DQuote.com understands that each family has individual dental insurance needs. There is no set rule as to what kind of dental insurance to buy.  You must consider your own needs and review the available benefits provided for each plan and dental insurance company.  You need to decide what kind of dental insurance policy you want to provide for your family as well as to fit within your budget.  You have to decide what kind of medical needs you can anticipate for your family situation.  

For businesses group insurance is often chosen based upon a combination of the premium that is affordable for the company and the benefits the company wishes to provide for its employees.  

For many the answer is simply the kind of policy that makes you feel your family is safe.

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What is a Rate Guarantee?

A level rate guarantee simply means that your premium will not change for a guaranteed period of time. Generally individual plans do not have a rate guarantee.  Usually the dental insurance company re-evaluates its rates every six months to a year.  This varies based upon the dental insurance carrier.  

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What is the difference between a PPO - HMO - and Indemnity Plan?

Dental insurance companies generally offer a variety of dental insurance plans and options.  A PPO is generally a dental insurance plan which provides increased benefits when you go to participating panel medical providers.  An HMO generally requires that the plan member goes to plan providers and pays little or nothing for the visit.  Generally visits to no-plan providers are not permitted except in emergencies.   An indemnity plan is one which generally permits the plan member to got to any medical provider for covered injuries and illnesses but pays only a percentage oft the medical change.  Many plans offer a combinations of the above will varying benefits.   Which plan you choose will depend upon your particular needs and interests. 

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What premium payment options do I have?

3DQuote.com online quotes are for monthly dental insurance premiums. Most dental insurance companies offer a variety of plans including dental insurance premiums on a check-a-matic (monthly), quarterly, or semi-annual basis.

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How long will this take?

The dental insurance company cannot begin underwriting your dental insurance policy until you have completed and returned your signed application to the dental insurance company and they have received your payment.  . Generally it takes three to four weeks to complete this process. If the dental insurance company has to get your doctor's records it will generally take 4 to 7 weeks since the dental insurance company has to depend upon your doctor's promptness in providing them the records they need.

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What about my privacy?

3DQuote.com is committed to protecting your privacy. You can rest assured that we respect your right to keep information that you provide confidential. The information that we receive from this website will not be not be used for any purpose other than its intended purpose of assisting you in securing the best dental insurance policy that is available for you. 

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Who are the PANEL PROVIDERS?

3DQuote.com provides you direct links to Blue Cross, Blue Shield, HealthNet, CalFarm, Universal Care, and PacifiCare, for complete and current lists of their respective panel medical and hospital providers.  Bear in mind that these links are serviced directly by the respective insurance companies and as a consequence the dates and times of their routine maintenance are not within our control.  However, if you have any difficulties at all, give us a toll free call, and we will provide you free information, and provider booklets, to help you with your dental insurance purchasing decisions.

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Can I Download Application From The Web Site?
 
3DQuote.com offers dental insurance applications that may be downloaded and printed from our web site. These forms are in the PDF format. You must have Adobe Acrobat Reader to view these forms. This software is available for FREE from the Adobe Acrobat Web Site. Click the icon below and verify that your version of Acrobat Reader is the most current version available. Please note we do not provide Technical Support for Acrobat Reader Software.  To download insurance applications, click here.


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