What is dental insurance?
Dental insurance is a type of private health insurance that covers the cost of dental care. Your health insurance benefits will generally cover routine dental care, such as checkups, cleanings, and x-rays. Other health plans will cover more expensive procedures, such as dental surgery and implants. The dental health insurance rates will be determined by the type of benefits that you choose to receive, with the more inclusive health plans carrying a higher premium.
What are my options for dental insurance plans?
There are two basic types of individual health plans that you can consider for dental insurance. These are the managed-care type of plans and the indemnity type of plans. Indemnity dental plans offer you a wider selection of dental providers; however, the out-of-pocket costs are greater because the health insurance provider waits to reimburse you after they have received a bill. With a managed-care dental plan, you will have more affordable family health insurance; however, you will be required to choose a dentist from the network. Because these dentists have a pre-negotiated price for their services, there are fewer up-front costs for the patient, and the dentist will usually submit the claims themselves.
What is the best dental insurance plan for me?
There is no one individual health plan for dental care that will work for every patient. When you are considering your choices for a dental health insurance provider, you will want to consider what your needs are for dental coverage. You will want to choose a dental health plan that will allow you to see your favorite dentist. You will also want to look for one that offers affordable dental health insurance rates and a deductible that is reasonable for you. If you are in need of special dental care, such as orthodontia, you may want to see how well these procedures are covered, as well as what you will need to do if you want to see a dentist that is not included in your network.
What is a PPO dental plan?
Also known as a Preferred Provider Organization Plan, a dental PPO is a type of managed-care dental health plan that gives the patient a choice of doctors in a specific network. Under this individual health coverage, the services are provided at a predetermined cost. In many cases, you will be required to meet a deductible before your health insurance benefits will start. In the event that you should decide to see a dentist that is not part of your health insurance provider's network, you may only be eligible for partial coverage for the services you receive. Choosing a dentist in the network will offer you the most affordable health insurance rates.