Understand Dental Insurance

Are you thinking about getting dental insurance but not sure you understand if it is the right choice for you? Dental insurance can help with the costs of your oral health needs and have been made affordable to accommodate the demands of your pocketbook.

Why should you consider buying dental insurance?

If your current insurance policy doesn't include dental coverage and group dental insurance is not available through your employer; you may need help with covering the costs of dental procedures for you and your family; dental insurance can help reduce those costs.

Maintaining regular dental care helps keep your mouth healthy and how you feel overall. Having problems with your teeth can affect what you eat and how you feel in general and about yourself. Did you know that heart disease and diabetes have been linked with gum disease?

Dental Insurance Types:

HMO and PPO dental plans are the most common types of dental health insurance. With an HMO plan you are obligated to pay your entire dental bill if you visit a dentist who is out of network. With a PPO plan, you can visit an out-of-network dentist, but you most likely will have to pay a higher co-payment.

Dental PPO - Dentists participating agree to accept negotiated fees as "payment in full" for services rendered to plan participants. Plan participants can receive benefits for dental services either from participating PDP dentists or from out-of-network dentists.

Dental HMO - This type of plan provides in-network benefits only. Enrolled members pre-select a primary care dentist from the Find a Dentist directory and visit that dentist for all dental services. There are typically no calendar year maximums, deductibles, waiting periods, or claim forms. Patient co-payment is required for certain procedures.

Because each dental insurance plan is different, it's important to familiarize yourself with all the terms of your policy prior to scheduling an appointment with a dentist. Make sure to speak with the dental office staff about your individual dental insurance so you'll understand what procedures are covered and what aren't.

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