Overview

Beam Dental provides dental insurance to individuals and businesses across the United States by offering customizable policies that cover only the benefits listed in each plan. Customers pay premiums for the specific services they need, which can make coverage more affordable compared with comprehensive plans. The product lineup includes options like a DHMO in California, underwritten and administered by the California Dental Network, with other products available in different states. Beam partners with multiple insurance carriers (for example, National Guardian Life Insurance Company and Nationwide Life Insurance Company) to issue and administer policies. Revenue comes from premium collections, and the company also runs a rewards program called Beam Perks (not available to DHMO members). Beam’s goal is to provide flexible, affordable dental coverage to individuals and employers by leveraging insurer partnerships and state-specific products to meet varying needs across the U.S.