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| Dental Insurance: How it Works and why you need |
Dental care is an essential part of your overall health, and taking care of your teeth can be expensive without proper coverage. Dental insurance can help cover the costs of preventative care, fillings, crowns, and other treatments. In this article, we'll take a closer look at dental insurance, how it works, and why you need it.
Table of Contents
- What is Dental Insurance?
- Types of Dental Insurance Plans
- Indemnity Dental Insurance Plans
- Preferred Provider Organization (PPO) Dental Insurance Plans
- Dental Health Maintenance Organization (DHMO) Dental Insurance Plans
- What Dental Insurance Covers
- The Benefits of Dental Insurance
- Finding the Right Dental Insurance Plan
What is Dental Insurance?
Dental insurance is a type of health insurance that covers
the costs of dental care, including preventive care, basic procedures, and
major procedures. Dental insurance plans are available from private insurance
companies and are often offered as part of an employer-sponsored benefits
package.
Types of Dental Insurance Plans
There are three main types of dental insurance plans:
Indemnity Dental Insurance Plans, Preferred Provider Organization (PPO) Dental
Insurance Plans, and Dental Health Maintenance Organization (DHMO) Dental
Insurance Plans.
Indemnity Dental Insurance Plans
Indemnity dental insurance plans allow you to choose your
dentist and are often called "fee-for-service" plans. With this type
of plan, you pay a monthly premium and the insurance company pays a percentage
of the cost of your dental care.
Dental Insurance: How it Works and why you need
Preferred Provider Organization (PPO) Dental Insurance Plans
PPO dental insurance plans have a network of dentists that
you can choose from. You can still go to a dentist outside of the network, but
you may pay more for your care. With a PPO plan, you'll pay a monthly premium,
and the insurance company will pay a percentage of the cost of your care.
Dental Health Maintenance Organization (DHMO) Dental Insurance Plans
DHMO dental insurance plans have a network of dentists that
you can choose from, and you must choose a primary care dentist. With this type
of plan, you'll pay a copayment for each visit, and the insurance company will
cover the rest of the cost.
What Dental Insurance Covers
Dental insurance typically covers preventive care, including
regular checkups, cleanings, and x-rays. Basic procedures such as fillings,
extractions, and root canals are also covered. Major procedures such as crowns,
bridges, and dentures may also be covered, but often with a higher deductible
or co-pay.
Dental Insurance: How it Works and why you need
The Benefits of Dental Insurance
Dental insurance can help you maintain good oral health by
covering the costs of preventive care and early treatment. It can also help you
save money in the long run by covering the costs of more expensive procedures.
Dental insurance can also provide you with peace of mind, knowing that you're
covered in case of an unexpected dental emergency.
Finding the Right Dental Insurance Plan
When looking for a dental insurance plan, it's important to
consider your specific needs and budget. Some plans may offer more
comprehensive coverage but come with higher premiums, while others may have
lower premiums but offer less coverage.
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