eHealth Review

ByTop10.com StaffMar. 28, 2019

In a Nutshell

eHealth is a dental insurance marketplace that partners with insurance providers to give discounted rates on policies. It works with reliable carriers like Renaissance Dental and Nationwide and tries to get you the best dental coverage for your situation. Plans include HMO and DPPO to name a few. With $9 plans, eHealth has affordable dental insurance that covers basic and preventative treatments. Other plans cover crowns, bridges, and more.

pros

  • Plans starting at less than $9/month
  • Excellent comparison tool for plan shopping

cons

  • Not a direct dental insurance provider
  • Some fees may apply based on insurance provider

eHealth eHealth Visit Site

Best for?

eHealth works with a wide range of policy providers, so it can deliver the best results to all its consumers. This makes the eHealth dental insurance network great for anyone who likes comparison shopping and wants to find the best policy for them in the shortest amount of time and with the littlest amount of effort possible.

Top Features

It’s not hard to see why so many people like using eHealth. On top of the fact that it is a totally free service that is just out to make your lives easier, eHealth actually has some great benefits as well. To kick things off, eHealth offers the most affordable dental insurance anywhere. In fact, these insurance rates are comparable with the rates charged by dental plans (which are famously known for being cheaper than dental insurance). For just $9 a month, you can get full dental coverage. That’s incredible.

eHealth offers consumers more than 800 dental insurance options from over 270 carriers, so you have an awful lot of choices. If you have any questions, the 24/7 customer service is available to help. Both having 24/7 service and a live chat option are 2 rarities in this industry and something that most consumers will enjoy.

  • Affordable plans
  • 800+ plans to choose from
  • 24/7 customer support
  • A+ Better Business Bureau rating
  • TRUSTe Certified Privacy seal holder and Norton Secured
  • Plans in all 50 states

Who is Eligible?

Because eHealth is not the direct dental insurance provider but merely the intermediary there to help you find the right coverage match, it does not set eligibility requirements. Each insurance carrier will have their own set of requirements. For example, Nationwide Life Insurance Company requires you to be a member of the National Small Business Association in order to receive certain coverage benefits.

What it Covers

eHealth also does not decide which dental treatments are covered. This will vary based on both dental insurance provider and the specific policy you choose. However, here is a basic list of the main treatments that are generally covered by many of the eHealth partner plans:

  • Basic treatments
  • Preventative treatments
  • Root canals
  • Dentures
  • Bridges
  • Implants
  • Child orthodontics
  • Basic fillings
  • Prosthetic services
  • Endodontic treatment
  • Restoration services including inlays, onlays, and crowns
  • Periodontic services
  • Oral surgery
  • X-rays including panoramic, full, or bitewing
  • Extractions 
  • Space maintainers
  • Sealants 
  • Topical fluoride treatments

What’s also nice is that eHealth works with over 270 dental insurance providers including top names in the industry like Humana, Delta Dental, The IHC Group, and Empire Blue Cross Blue Shield Dental Care. Partnering with reliable dental insurance carriers ensures that no matter what your situation, the eHealth search results will always produce quality providers.

Beyond dental coverage, many of the eHealth partners offer additional health coverage bundles with the dental plans. For example, the Empire Dental Family Value plan offers a Blue View Vision package that includes things like discounts on eyewear, eye exams, and contact lenses, a GAP insurance policy that covers you in the event of serious illness or injury, and a Telemedicine option that offers 24/7 access to physicians over the phone.

Why it’s Good for Families

eHealth is an obvious choice for families because of the wide range of family plans on offer. If you had to pay for dental insurance for each child individually, you would rack up a huge bill before you even walk into the dentist. With competitive rates on family plans, eHealth makes it easy to get dental treatment coverage for everyone including yourself, your spouse, and all your kids.

Why it’s Good for Students and Seniors

What’s more, eHealth offers some convenient perks for seniors like periodontics and denture treatments that are not only discounted but require no waiting period. This is very helpful for an elderly policyholder who needs treatment right away.

Students are generally covered under their parents’ policies, so you don’t have to start thinking about dental insurance until you are well out of your years of study.

Which Areas is it Available in?

eHealth has partners in every single state in the US, an impressive claim for a dental insurance marketplace. Which states your policies are available in will also depend on the policy provider you’ve chosen to work with. The majority of carriers in the eHealth network are available in all states except Washington. This will vary per provider. For example, Independence American Insurance Company is available everywhere except Arkansas, New Jersey, Vermont, Connecticut, and Washington.

Policy Types and Prices

Again, eHealth does not set the policy types and prices for those policies. This makes it a little difficult to get a feel for how competitive the rates are. On the other hand, eHealth has an excellent comparison tool on the website to help consumers compare rates and benefits of each plan available to them, so they can clearly see which is the best option for them (more on that below).

eHealth offers DPPO, HMO, fee for service, and discount plans. Here is an example of the basic costs and coverage parameters for an eHealth partner dental insurance policy:

Price
From $8/month
Deductible
$25-$50 for individuals/$150 for families
Maximum Coverage
$750-$2000
Special Perks
No waiting period for cleanings
Coinsurance
0%-50%

Application Process

Application with eHealth was delightfully easy. In fact, it took less time than any other dental insurance marketplace we’ve reviewed. You simply put in your gender, birthdate, who’s being covered with the plan, whether or not you’re a smoker, your zip code, and when you want coverage to start.

Then, eHealth will send you possible policies based on your answers. Like we said earlier, eHealth is an excellent tool for comparison shopping. The way to compare rates and plans is to fill out your information on the eHealth website. eHealth will scan its network of dental insurance carriers for suitable matches. This has to do with location availability, policy type (HMO, DPPO, etc.), and who you are requesting coverage for (individual, family, seniors).

eHealth will then give you a list of possible policy matches based on your requirements. You can look through each plan individually, and you can also click on the compare box next to each policy suggestion. This will bring you to a new page that neatly breaks down the benefits and rates of each comparable policy, so you can see which policy works best.

eHealth eHealth Visit Site

Customer Service

eHealth provides 24/7 live chat support, a big bonus for anyone who needs answers now. You can also call to speak to a representative, browse the online resources or FAQ section, or connect via one of the social media profiles.

Bottom Line

eHealth is a free service, making it a no-brainer for anyone looking for assistance when trying to find dental insurance coverage. With hundreds of policy providers to choose from, all states covered, and full preventative dental treatments coverage, eHealth partners offer affordable options that work for you. The online comparison tool makes finding the best plan with the most suitable features fast and easy. Get the right dental insurance policy for you and your family using the eHealth online comparison tool today.

eHealth