Affordable Dental Insurance Plans

Affordable Dental Insurance Plans |
Dental insurance is a form of health insurance designed to pay a portion of the costs associated with dental care. Dental insurance is taken to cover teeth problems. These include problems such as breaking teeth in an accidents or after having a fall. Dental insurance can be flexible and structured in order to meet the different dental needs of people.

Dental insurance is designed to provide preventive care and this, by and large, eliminates chances of major problems. Dental insurance covers diseases that are preventive by nature and even if treatment becomes essential, the diagnostic tests require little more than x-rays, and a thorough examination by the dentist.

Different Types of Dental Insurance Plans 

There are several different types of individual, family, or group dental insurance plans grouped into three primary categories:

  1. Indemnity
  2. Preferred Provide Network (PPO)
  3. Dental Health Managed Organizations (DHMO).

Affordable Dental Insurance Plans
Affordable Dental Insurance Plans

1. Indemnity Dental Insurance Plan

With indemnity dental plans, the insurance company generally pays the dentist a percentage of the cost of services. Restrictions may include the co-payment requirements, waiting period, stated deductible, annual limitations, graduated percentage scales based on the type of procedure, and the length of time that the policy has been owned.

2. Dental Health Maintenance Organization (DHMO)

Dental Health Maintenance Organization plans entail dentists contracting with a dental insurance company that provider agrees to accept an insurance fee schedule and give their customers a reduced cost for services as an In-Network Provider. Many DHMO insurance plans have little or no waiting periods and no annual maximum benefit limitations, while covering major dental work near the start of the policy period. This plan is sometimes purchased to help defray the high cost of the dental procedures. Some dental insurance plans offer free semi-annual preventative treatment. Fillings, crowns, implants and dentures may have various limitations.

3. Participating Provider Network (PPO)

In the United States, Participating Provider Network or PPO also referred to as Preferred Provider Organization is an organization governed by medical doctors, hospitals, other health centers and medical care providers. This organization has an agreement with an insurer or the third party administrator to provide health insurance to the people associated with their client at reduced or low rates. Participating Provider Network plan may work similar to a DHMO while using an In-Network facility. However, a PPO allows Out-of-Network or Non-Participating Providers to be used for service. Any difference of fees will become the financial responsibility of the patient, unless otherwise specified.

People can afford dental insurance at reduced rates if they choose to buy PPO plans, or preferred provider organization plans. The only thing they have to sacrifice here is the freedom of choice. This means that as for as the freedom of choosing a dentist is concerned, they will have to choose a dentist who is listed in the plan’s network. People should weigh the benefits offered carefully and, given the affordable nature of the plan, they may consider this price too little a sacrifice as compared to the advantages.

Dental insurance normally covers the costs or two dental checkups a year. Simple procedures like cleaning and filling the teeth are also covered by these insurances. As a result of this, people with dental insurance get their teeth checked periodically and most of their dental problems like root canal operations, crown filling and dental bridgework are nipped in the bud. This is actually a clever business ploy adopted by dental insurance companies. By exhorting people to get their teeth checked companies save people from having to spend on expensive treatments in the future.

Several companies provide free dental insurance for their employees. As the dental expenses of an average person in a whole lifetime are not too high, dental insurance premiums are also nominal. Such group dental insurances work in a slightly different manner. Employees of these companies are provided a list of dentists who are registered with the insurance company. They can approach them with their dental problems and get the appropriate insurance coverage. In certain areas, dental insurances are provided only for groups and not for individuals.

However, like any other insurance, dental insurance carries certain problems with it. There are forms to be filled out, and the whole process of claim letters, and paying premiums makes the process cumbersome to some. In group dental insurances, the claim letters and premium payments are handled by the employers. Dental insurances are actually very cheap to purchase. Group insurance premiums are marginally cheaper.

Various Dental Insurance Plans 

Various dental insurance plans with numerous variations are available today. You should take proper care and time to consider all options.

Direct reimbursement plans
These plans are the most expensive of the lot. They operate by paying for employee dental coverage from a pool of money set aside by the company for this purpose.
The simplicity of this plan makes it the most effective, the reimbursement is made by a simple formula doing away with the complexity of co-payments, deductibles etc. Even though ADA strongly recommends this plan, this kind of direct dental care may not be affordable by smaller companies.

Managed care plans
Similar to a medical HMO, managed care dental plans need to pay for the treatment through regular co-payments and choose forma pool of dentists to get treated. These plans do various cost-control measures and can more affordable for small businesses.

The co-payment amount varies according to procedure. Preventive procedures are usually performed without co-payment, however advanced procedures will bear higher co-payments.
The choice lies with the company and their financial managers, however great care is recommended in choosing the plan.

Affordable Dental Insurance for Seniors

Dental insurance plans are intended to reduce the cost of dental care. Dental insurance providers typically negotiate lower fees with in-network dentists, and also pay a percentage of the reduced fee. You pay the rest out of pocket.
Premiums, deductibles, co-pays, waiting periods, PPOs and HMOs – choosing a dental insurance plan is complicated.

Here's What You Need To Know Before Purchasing Dental Coverage.

Annual Maximums & Coinsurance
Annual maximum: The amount your dental insurance plan will pay annually toward your cost of care
Coinsurance: A percentage of the cost of a dental service that you pay out-of-pocket

Copays & Deductibles
Copay: A flat fee you pay for a dental service covered by insurance
Deductible: The amount you pay out-of-pocket before your coverage begins

In-Network & Premiums
In-network: Dentists who have a contract with your dental insurance company
Premium: The amount you pay each month for dental insurance

Pre-existing conditions & Waiting periods
Pre-existing conditions: Any dental problems that you had before getting insurance.
Waiting period: The length of time – six months to a year – that must pass before basic and major dental procedures are covered by your dental plan.

On average, an individual dental insurance policy costs about $350 a year. For a family dental insurance plan, the typical cost is around $550, annually. Costs vary according to the type of dental insurance you get; DHMO, DPO, Or An Indemnity Plan.

DHMO Insurance Plan

  • Dental Health Maintenance Organization
  • Lowest Cost
  • Must see a dentist who is in network
  • You need a referral to see a specialist
  • No annual deductible, no annual maximum
  • Low copay
  • No waiting period, but limits on treatment frequency

DPPO Insurance Plan

  • Dental Participating Provider Network
  • Widely accepted at dental practices nationwide
  • Save more with in-network dentists, can go out-of-network
  • No referral to see a specialist
  • Deductible of $50-$100, annual limit $1,000-$1,500
  • Coinsurance payment based on discounted fees for care
  • Typically has a waiting period for basic and major dental procedures

Dental Indemnity Insurance Plan

  • Also Known As “Traditional” Plans
  • Most expensive type of dental insurance
  • See any dentist you choose, no referral needed to see specialists
  • Deductible of $50-$100, annual maximum of $2,500 or $3,500+
  • You pay dentist bill in full, are later reimbursed a set amount
  • Coinsurance payment based on full rate for care
  • May have waiting period for basic and major dental procedures

Dental health insurance plans vary widely. You should know how your plan is designed, since this can significantly affect the plan's coverage and out-of-pocket expenses.

Dental insurance can be affordable and a perk that will be appreciated by employees, but private coverage can also be obtained through a local broker or online. It will cost less than major medical coverage and can provide the peace of mind knowing your families dental needs can and will be taken care of.

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