Dental Health Insurance Options for You

Even though almost 90% of people in the US receive dental health insurance as part of their overall health insurance coverage, the majority of them still face difficulties in meeting the needs of their oral care. Many of them remain dependent on Medicaid, or they pay out of their own savings, while some simply forgo looking after their teeth altogether, because it’s too expensive.

If you are searching the market for affordable dental insurance, then you need to arm yourself with the knowledge of what you get from each type of insurance deal in order to make the best possible choice.

There are four common types of dental insurance available.

Discount Dental Plans

Technically speaking, this isn’t true dental insurance, because a dental plan works by encouraging people to pay a yearly membership fee to the dental plan provider, which is usually the company they work for. By paying this membership fee, enrollees in a dental plan are entitled to a discount on dental services from any of the dentists on that company’s roster. The patient pays the discounted charges directly to the dentist themselves, with the costs being based on the plan’s suggested pricing list.

Indemnity or Traditional Dental Insurance Coverage

This is often known as traditional fee-for-service coverage, with the health insurance provider covering certain kids of dental services, such as fluoride applications, preventative oral care, yearly check ups and so on. If more complex and expensive dental services are needed, then the coverage usually ranges from between 50% to 80% of the treatment’s cost, with the patient being liable to pay for the difference. Usually, there is a limitation in place on the amount of coverage available. However, on the plus side, patients are allowed to choose their own dentist.

Managed Care

This is an option that is becoming more and more popular in recent years, as anyone who pays a monthly premium to a DHMO (Dental Health Management Organization), is eligible to visit any dentist under them in order to receive treatment for any dental care they require.

The majority of common dental treatments, such as annual check ups, cleaning and x-rays are provided free of charge to patients, with more expensive treatments like bridges, implants and root canals requiring patients to pay a percentage of the costs themselves. DHMO’s appear to many people to be a lot more beneficial than traditional dental insurance coverage, but the downside is you can only use dentists that are recommended by them.

Dental Preferred Provider Organizations

These are, in many ways similar to DMHO’s in that patients can only receive services from a selected panel of dentists. However, enrollees are given the freedom to decide on their own dental health provider, though choosing one who is not on the recommended list could result in a higher deductible and co-payment.

Before deciding on what dental health insurance, there are three things to bear in mind. It’s important to find out exactly what coverage is included in the policy, how much the premiums are and whether it’s possible or not to use your own dentist.

Dental Health Plans and Keeping Your Dental Health in Check

Having dental health plans would help you, especially when an emergency happened and dental treatment or even surgery is needed. These dental plans intend to protect us from these sudden expenses and needs. Having a dental plan would help more people to be conscious about their respective dental health.

Unfortunately, according to the American Dental Association, there are more than half of the entire population of the United States who does not have any dental insurance or plan. Although, it is very much cheaper not to pay any monthly premium, the benefits would be fully taken advantage off when the plan is used by plan holder.

The dental services covered by a dental plan would of course, depend on the amount of the coverage. The more services covered by the insurance plan, the higher its amount. Dental insurance is usually something that a person could get as part of their health care packages which is provided by the employer. But there are instances when it is not the case, especially when the employer is finding it too expensive to add the dental plan into the benefits.

Aside from the employer, the state could also offer dental coverage more affordable compared with those offered by private insurance companies. You just have to make sure to check with you dentist if they would be taking state-issued dental insurance.

The internet is anther great place to start looking for dental plans. There are websites where you would just need to enter your zip code or your residence, so they could gather different insurance plans offered in the specified location.

Paying for dental insurance would ensure that you would not be paying your entire paycheck or putting a large dent on your savings just to pay for dental service or treatment. It would also allow you and your family to get access to dental services, improving your oral care and health.

Dental Health Care Insurance

These days, dental health is often overlooked by many people. People become conscious of it only when they suffer from severe tooth or gun pains. This is when they realise that dental health care insurance is as important as individual health care insurance. In this article, I will talk about some of the different types of dental health care insurance plans available today and the ones which are really affordable.

What Are Your Options?

It is really important to opt for a dental insurance plan that meets your individual needs and requirements. Once you have decided to get a dental health care insurance plan, you will see that there are a large number of options available. With the increasing number of health care insurance providers, there also exists a large number of different kinds of plans which can make choosing the best very difficult. Discussed below are some of the best dental insurance plans that you can sign up with.

Indemnity Insurance Plans

These are also known as traditional dental insurance coverage plans. Indemnity insurance plans provide basic, preventative and orthodontic services. There are no restrictions as to which dental health care professional you will be seeing. As a result, there is greater flexibility. This plan can come handy especially for people who have to travel frequently. Such insurance policies even cover up to 100 percent of your dental care costs. Some of the services included under the plan include routine checkups, cleaning, fillings and tooth extractions. Depending on the type of plan you have chosen, you will be provided with even more services. However, it is important that you read all the terms and conditions of the contract before making the final decision.

HMO Network Dental Plans

Capitation dental endurance plans or HMO network dental health care insurance plans are offered by HMO or Health Maintenance Organization. Under these policies, the policy holder can get 100% costs paid by the insurance company. Moreover, it also gives people the option to choose among a large network of dentists. This plan is like a membership group in which the policy holders will pay a small amount of money to avail the facilities and services. This is one of the most inexpensive ways of getting insured for dental health.

PPO Dental Plans

These are similar to HMO network where insurance companies have ties with groups of dentists. Those who are insured have the option to choose among the group of dental health care providers. This is beneficial for the dentists as they get a good client base and also beneficial for policy holders as they receive dental treatment by a fraction of the costs.
Direct Reimbursement Plans

There are also direct reimbursement plans which are regarded as one of the best dental insurance plans. These plans are economical and self-induced as it utilizes contributions which are made by the employers and the employees. Some organizations get such plans sponsored by third parties while some establish their own. Under this plan, the person who is insured has the freedom to choose his own dental health provider which is certainly a huge plus for most people.