Dental Insurance 101 - Keeping a Healthy Smile
Maintaining good oral health is essential to your overall health. Knowing how to take care of your teeth and gums is vitally important. Seeing your dentist on a regular basis helps you to manage your oral hygiene. When you are choosing a new dental insurance plan for yourself or your family? Before you get started, it’s a good idea to familiarize yourself with the various types of dental plans out there.
There are several different types of dental insurance plans – each will work differently in terms of out-of-pocket costs, deductibles, benefits, and so on. Some dental plans will offer a wider network of dentists for a higher monthly premium; others may be less expensive but restrict coverage for certain procedures or require more out-of-pocket spending on treatments such as root canal therapy or dental implants.
The four most common types of dental insurance plans are PPO, DHMO, Dental Discount Plans, and Managed Fee-for-Service Plans. Each of those require you to see in network dentists for the most savings. There are many variations of each of these plans, and there are a lot of carriers in the market for both individual and group plans, which are typically offered by employers to their employees.
There are also indemnity plans that provide a payment to you instead of the provider. In that type of plan, you pay the dentist for the charge, then submit a claim to the insurance company for whatever the scheduled reimbursement is for that procedure.
For more details about how all this works, contact me to talk about what dental plan best suits you.
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