Beam Dental is a startup operating in the insurance industry, specifically focusing on dental insurance. The company provides coverage for a range of dental services, but it's important to note that it only covers the specific benefits or services outlined in the policy. This means that customers only pay for the services they need, which can make Beam Dental's policies more affordable than comprehensive coverage.

Beam Dental's clients are individuals looking for dental insurance, as well as businesses seeking to provide dental benefits to their employees. The company operates across the United States, with certain products available only in specific states. For instance, its DHMO dental product is available in California, underwritten and administered by the California Dental Network.

The company's business model revolves around selling insurance policies. It partners with various insurance companies, such as National Guardian Life Insurance Company and Nationwide Life Insurance Company, to provide these policies. Beam Dental makes money by collecting premiums from policyholders. The company also offers a rewards program, Beam Perks, although this is not available for DHMO product members.

In summary, Beam Dental is a dental insurance provider that offers customizable coverage to individuals and businesses across the United States. It partners with various insurance companies to provide these services and makes money through the collection of premiums.

Keywords: Dental Insurance, Individual Coverage, Business Coverage, Customizable Policies, Nationwide Operation, Insurance Partnerships, Premium Collection, Beam Perks Rewards Program, DHMO Dental Product, United States.