Dental Insurance Plans

Dental Insurance Plans

This entry was posted in Uncategorized. Bookmark the permalink.
  1. There is no one ideal dental insurance plan and often dental insurance is costly but fairly restrictive with coverage, but it is possible to find a plan well-suited for you and your family. The primary difference between plans is the monthly premium amount and the amount you will be responsible for paying when dental services are rendered. A number of plans require patients to meet a yearly deductible amount or pay a copay for services before the insurance company pays anything. Some plans limit yearly coverage to a maximum dollar amount.

    Choosing a Dental Insurance Plan

    Dental insurance provides an effective way to get the necessary care to prevent cavities, promote healthy gums and ensure a long life for your teeth. The cost of a particular dental plan should not be your only concern when choosing dental insurance. There are other important factors to consider.

    • Which dentists participate in the plan network or can you choose your own dentist?
    • What services are covered and what percentages of the charges are you required to pay?
    • Does the dental plan restrict treatments to the least expensive options only?
    • If you use a dentist outside the plan’s network how much will you pay?
    • Is there a yearly deductible to meet, and how much will the insurance company pay for services once the deductible is met?
    • Is a waiting period required for certain treatments or procedures?

    When reviewing dental insurance options these are essential questions to consider.

    Assess Your Needs

    Consider your dental coverage needs when choosing an insurance plan. What is the level of dental care required for you and your family? Preventative care is vital in the care of your teeth and many dental insurance companies provide 100 percent coverage for preventative services. If you have children, a plan that provides ample coverage for orthodontic services such as braces, fillings for cavities and preventative treatments such as sealants, may be worth the extra cost.

    If you only need coverage for you and your spouse and there are no major dental issues, you may want to consider a lower-cost plan that primarily covers preventative services. Prevention is what it is all about when it comes to proper care of your teeth. If you only spend $200 to $400 annually for preventative-care visits and routine x-rays then it would not be advisable to choose a dental plan that requires patients to pay a $1,000 yearly deductible. It would be more beneficial to pay higher monthly premiums for a lower-deductible plan that will be of more use to you.

    Types of Dental Insurance Plans

    A large number of dental insurance companies exist and together they offer an abundance of dental plans from which to choose. Once you have assessed your dental care needs you can choose the best-suited dental insurance plan.

    HMO Network Dental Insurance Plan – An HMO network plan consists of a network of patients who belong to a particular comprehensive dental plan that partners with specific dentists or a dental clinic for the dental care of the HMO members. Typically a monthly premium and registration fee is required for this type of plan. The cost is based on how many members are in the network, so the more patients that are assigned to the designated dentists or dental clinic, the less you will pay.

    Indemnity Insurance Plan – Indemnity insurance is one of the more flexible options for dental insurance plans. Patients pick their own dentists and the plan pays the chosen dental offices for services rendered. The insurance company will generally pay 50 to 80 percent of the fees incurred for services covered by the plan. You pay the remaining balance along with a monthly fee; usually around $25.

    PPO Dental Insurance Plan – A PPO or Preferred Provider Organization plan is one of the most affordable options. With this dental plan, a group of patients obtains their dental care from a list of participating dentists. The dentists will charge PPO members lower fees, which help patients save significantly on all treatments and services.

    Direct Reimbursement Plan – In the truest sense of the word, this plan may not be considered an insurance plan. It is a popular dental coverage plan provided by many employers for their employees. Essentially, the employee is responsible for initially paying for dental services received, and the employer reimburses the employee for all dental expenses incurred. Employees are allowed to choose their own dentists. Generally with this type of plan, there is a cap on the amount an employer will pay.

    Discount Dental Plan – Discount dental plans will pay up to 70 percent of the normal fees charged for dental services and treatments. Discount plans can be easier to utilize as they are generally less detailed than traditional dental insurance plans.

    Dental insurance plans are easy to find. They can be obtained through actual insurance companies as well as online. Online companies often offer a number of dental plans available through some of the top dental insurance companies.

    Top Dental Insurance Companies

    There are definitely some dental insurance companies that are better than others when it comes to providing superior offers to patients searching for an affordable and reliable dental plan.

    • Delta Dental Insurance Company
    • Aetna
    • UNI-Care
    • Cigna
    • Careington

    The Internet has made it easy for consumers to shop and compare dental insurance companies and the dental plans they offer. With the overwhelming number of plans available, researching your options online is an effective way to begin the hunt for the best plan to suit your needs.

    Is Dental Insurance Worth It?

     You may feel the cost for dental insurance is not worth it. After all, you have no major dental issues and the $200 or $300 a year for cleanings and x-rays is affordable. Keep in mind, as you grow older your dental care needs may change. As your family grows, dental care needs will likely increase as well.

Leave a Reply