Dental Insurance12 Nov, 2015
Dental check ups, teeth cleaning, root canals, tooth extractions and teeth fillings are some of the dental care and treatments that one needs to go through at one point in our life. It could be monthly, quarterly or even annually depending on the kind of care and treatment needed. The dental care and treatment mentioned are very expensive now days but one cannot disregard the fact that we need this to take good care of out dental requirements and problems. A solution to this dilemma is to have a dental insurance that will cover the cost of your dental needs but it has to be reasonably priced and at the same time it has the benefits that you really need. Finding the perfect dental insurance for your needs and requirements is not easy thing to do. Decision will have to be based on careful evaluation of your needs and wide-range of research dental insurance plan.
The first step is to study and find out what might be your dental requirements. Are you the type of person who have big dental problems and will probably need to consult a dentist often than normal, or are you the kind who just needs check ups and maintenance from time to time. If you are on the first group then what you need is a comprehensive dental plan since, this kind of plan covers the entire cost of major dental treatments. Although, you have to bear in mind that a comprehensive dental plan would also command a higher premium rate. But on the other hand, if you do not really need more than the normal dental care you could opt for just a maintenance dental plan. It has much lower premium rates than the comprehensive dental plan. Always compare one dental insurance company from another in order to find the cheapest rate with the right dental care policy without having to sacrifice the services and benefits you would get in return.
There are different kinds of dental insurance plan being offered, the indemnity plan, self-insurance plan, closed panel plan, capitation plan, preferred provider organization, direct reimbursement plan, dental care service plan. Indemnity dental insurance plan is a fee for service plan and you are allowed to choose your own dentist. It has co-payment options and an annual limit on the coverage of dental spending and dental procedures Self-insurance plan has similarities to indemnity plan but the distinct difference is. You cannot choose your own dentist. Closed panel plan has limited used of facilities and the number of dentist available to you. Preferred Provider Organization is also limited to a group of dentists who are available to provide dental care at a lower cost.
Direct Reimbursement Plan allows the employer to directly reimburse their employees for dental care and services they received. Lastly, Dental Care Service Plan uses a group of dentist who forms a non-profit organization to provide dental care and services at fixed fees.
There are many options available to you that are suited to your needs and requirements. All you need to do is find the right one by asking people who are knowledgeable in this field, or searching in the internet. You can even ask the advice of you dentist. He might be able to give you some sound advice regarding dental insurance plan.