DENTAL & VISION
We all know how important dental care is to our well-being. As with all insurance-related decisions there are multiple facets that go into your decision when purchasing coverage for yourself, family, business, or your employees. And, there many types of plans to consider such as a PPO (Preferred Provider Organizations), HMO (Health Maintenance Organization), dental indemnity insurance plans, and discount dental plans.
Why Is It Important?
Dental coverage of some kind is critical help you ensure the health of your teeth and gums. Unfortunately, if you are bearing the full brunt of the cost of dental care you may find it difficult to pay your dentist bills. Without dental insurance coverage, you may be tempted to skip regular cleanings and checkups, a decision that could lead to serious dental health problems.
Dental Insurance Plan Types
Similar to medical insurance plans, dental insurance plans are often categorized as either Indemnity or managed-care plans. The major differences are concentrated around out-of-pocket costs, choice of dental care providers, and how bills are paid.
Typically, Indemnity plans offer a broader selection of dental care providers than managed-care plans. With an indemnity plan, the carrier pays for covered services only after it receives a bill, which means that you may have to pay up front and then obtain reimbursement from your insurance carrier. Usually, managed-care plans maintain their own dental provider networks. Dentists participating in a network agree to perform services for patients at pre-negotiated rates and usually will submit the claim to the dental insurance company for you.
Basic Dental Insurance Coverage – What is Included?
Understanding what is covered by your dental insurance can be challenging. Coverage differs from policy to policy, from plan to plan, and from provider to provider. Read the fine print of your policy or agreement to find out what your dental insurance covers. In general, basic dental insurance coverage includes three categories:
1. Preventive and diagnostic dental care: Almost all dental plans and dental insurance policies cover basic dental costs that are meant to prevent dental problems. For the policyholder that means, most plans covers a large part or all the dental costs associated with basic services such as cleaning, checkups, and other dental procedures meant to prevent tooth and gum disease. This coverage is important because it encourage people to seek regular dental care, which can prevent more complicated and costly problems.
2. Basic dental care and dental procedures: Most dental plans and dental insurance also cover basic dental procedures such as fillings, tooth extractions, fixing chipped teeth, and other such basic procedures. However, basic dental care varies from one provider to another. In general, since providers cover a significant portion of basic dental care, it makes sense to select a dental care insurance provider that covers as many dental care basics and procedures as possible.
3. Major dental care: While not all dental insurance plans cover major dental care, some do cover at least a portion of these costs. Major dental care can include procedures such as dental surgery, orthodontics, denture work, and other large, expensive dental procedures. If you will require major dental care at some point in the future, you may wish to look for provider willing to pay for as large a percentage of this type of care as possible.
Better to buy direct or from an agent?
Most direct-to-consumer websites present Dental Insurance as a straightforward proposition. Experience shows that may not be the case. Each plan is customized based on your health, your age, and selection of benefits. You decide how much you want to pay in premiums for the amount of coverage you want. This includes waiting periods for major services.
Working with an experienced advisor, will ensure that you have “peace of mind” in selecting the most cost-effective and best coverage given your unique health care needs, both now and in the future.
There is never a charge to meet with us. We are compensated by the insurance company should you decide you’d like us to help you with this important area of healthcare planning.