If you think having dental insurance is a luxury, think again. When it comes to our health, our teeth take top priority too. Unfortunately, dental insurance tends to be expensive, but there are affordable plans available as well. And since most insurance policies don’t cover dental health, that makes it all the more difficult.
More so, if you need dental insurance for your whole family, the cost can be outside of your budget. But there are many reasons to consider changing your mind. Below, you’ll discover some key points about considering purchasing dental insurance and some reason why you should.
Affordable Dental Insurance Plans Do Exist
Some dental insurance plans offer sliding scales with plans that fit your budget. Most dentists accept dental insurance, and with a phone call, you can easily find out if they don’t. Once you enroll in a plan that suits your budget, you can choose the dentist you like. And conversely, change dentists if you don’t.
However, it’s crucial to know premiums differ significantly from each other. That’s why you need to research the plans thoroughly. Plus, some plans offer payment in the form of reimbursements. Typically, they cover up to eighty percent, and the remaining twenty percent is the copay. If you need a root canal, plans like that sound like a great deal.
If you look into this type of insurance plan, there are crucial things you should know first. Insurance experts recommend that you understand your maximum spending allotment for one year. You should know this before you claim compensation from your insurance company.
Also, it’s a good idea to understand the types of services your dental insurance covers fully. For example, some plans do not cover cosmetic dentistry procedures or dental implants. When researching, always ask what the plans covers and what it excludes.
How Dental Insurance Works
Typically, dental insurance plans cover preventive, basic, and major services. Preventive care like oral exams, cleaning, and X-rays play an essential role in your oral health. At some point, we all need services like fillings, root canals, or simple extractions. If you pay out of pocket for these services, the sticker shock can deter you from treatment.
More so, most dental insurance offers tiered coverage. For example, a plan can pay 80-100% of preventive care, 50-80% of basic procedures, and up to 50% of major services. When it comes to paying for dental coverage, taking proper care of your teeth comes first!
However, there are two types of dental insurance for you to consider.
- Dental Preferred Provider Organization (DPPO)
- Dental Health Maintenance Organizations (DHMO)
With a DPPO (or PPO) plan, you have the option to join a dental discount plan. This plan is not dental insurance per se but instead provides you with dental care at lower fees. It’s also good to note that Medicaid also offers dental care, but it’s minimal. You check with your state to see what the requirements they offer before making an appointment.
Similarly, DPPOs or PPO offers a broader dentists network for you to choose from and offer reimbursement for services. And most likely for services from out-of-network dentists. Plus, with this type of plan, you will not experience waiting periods. A waiting plan signifies the time you will wait before you can start receiving services.
How Much Can I Expend To Pay?
When it comes to paying for dental insurance, rates will vary depending on the plan’s details. On average, plans in America cost anywhere from $300 a year all the way to upwards of double that. Again, the cost can vary depending on your state.
Typically, many plans have a maximum annual coverage limit. Again, each plan varies and can fall anywhere from $100 to $2000. You can find plans as low as $8 per month, but the coverage you receive can be minimal.
More so, most Americans exhaust their maximum benefit annually. It all depends on your dental needs and health. If you require a root canal on one tooth, this can throw you right over your allowance.
Again, before you purchase an insurance plan, make sure you know your budget, the waiting period, and what the plan allows. Also, ask how much you will pay monthly and annually in premiums, what the max annual payout is and what procedures they cover.
Why It’s Important To Have Dental Insurance
When it comes to your teeth’ health, you should take it as seriously as the health of your body. Overall, with so many types of dental disease, it makes sense to have a good dental insurance plan. More so, your overall oral health is equally as important. And this includes sores in your mouth, tender areas, bleeding or swollen gums, and much more.
While dental insurance is expensive, it makes much sense to make sure you and your family enroll in a good plan. Make sure you find one that suits your needs and your wallet.
If you care about your teeth, you will do whatever you can to keep your pearly whites in good condition. And with June being Oral Health Month, there’s no better time to put all of your focus on your dental health.
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