Coverage and Benefits

Beam Dental
Beam offers PPO plans with coverage that typically includes 100% for preventive care, 80% for basic services (like fillings and extractions), and 50% for major services (crowns, root canals). Orthodontics and implants may be included in select plans. Beam is also known for offering wellness-based benefits that reward healthy habits.

Solstice Dental
Solstice provides both PPO and DHMO options, with preventive care usually covered at 100%, and basic/major services covered at similar tiers as Beam. Solstice DHMO plans may offer fixed copay amounts instead of percentage-based coverage, which can help reduce out-of-pocket unpredictability. Many plans include orthodontic benefits, especially for families.

Network and Availability

Beam Dental
Beam uses the Dental Benefit Providers network, which offers access to over 400,000 access points nationwide—one of the largest PPO networks available.

Solstice Dental
Solstice has a growing national network with a strong presence in Florida and the Eastern U.S. Their DHMO network is regionally focused, but PPO plans provide nationwide flexibility. Availability may vary based on state.

Cost Comparison

Beam Dental
Monthly premiums typically range from $20 to $55, depending on the plan level. Beam plans generally offer annual maximums of $1,000 to $1,500 and deductibles around $50.

Solstice Dental
Solstice is known for low-cost DHMO plans, with premiums starting as low as $8/month, and PPO plans ranging from $20 to $50/month. Some DHMO plans have no deductibles or annual maximums, making them appealing for those seeking budget predictability.

Waiting Periods and Restrictions

Beam Dental
Preventive care is covered immediately. Waiting periods for basic services range from 3–6 months, and 12 months for major procedures, although some plans waive waiting periods based on prior coverage or group eligibility.

Solstice Dental
Solstice DHMO plans often have no waiting periods, while PPO plans usually have standard 6–12 month waits for basic and major services. Some plans offer waived waiting periods for those with continuous coverage.

Ease of Use and Customer Service

Beam Dental
Beam is a tech-first insurer, offering a mobile app, real-time benefit tracking, smart toothbrush integration, and online claims access. Customer support is generally fast, friendly, and digitally streamlined.

Solstice Dental
Solstice offers traditional support with phone, email, and web tools. Their member portal is functional but not as modern as Beam’s. They receive praise for provider communication and customer service responsiveness.

Additional Benefits and Perks

Beam Dental
Beam members receive a free smart electric toothbrush, brush head refills, toothpaste, and wellness tips. Beam’s wellness program may influence future group rates based on good habits (for employers).

Solstice Dental
Solstice includes optional vision, hearing, and pharmacy discounts, as well as wellness savings programs. DHMO members often get enhanced benefits for orthodontics, cosmetic procedures, and teledentistry.

Reputation and Customer Reviews

Beam Dental
Beam is newer in the market but highly rated for its innovation, transparency, and ease of use. Customers love the wellness features and simple onboarding.

Solstice Dental
Solstice has a longer track record, particularly in the group and employer market. Reviews highlight affordable DHMO options and reliable coverage, with some users noting limited provider availability in rural areas.

Suitability and Recommendations

• Choose Beam Dental if you value a modern experience, tech features, and a large PPO network, especially if you want wellness incentives and a more digital approach.

• Choose Solstice Dental if you’re looking for low-cost DHMO plans, family orthodontic coverage, or want more options across plan types, especially in the Eastern U.S.

Conclusion

Both Beam Dental and Solstice Dental offer affordable dental insurance options with strong preventive and restorative care benefits. Beam leads in tech innovation and user experience, while Solstice shines with budget-friendly DHMO plans and flexible PPO options.

Your decision should come down to what matters most: digital tools and wellness features, or traditional savings and straightforward plan choices. Either way, both providers offer excellent value for affordable dental care.