If the cost of your routine check-ups with the dentist has recently been creating a hole in your pockets, then probably you should start finding a way to cut back on these expenses. Although it does not necessarily mean that you should stop seeing your dentist completely, having "financial backup" can help you save a lot without having to sacrifice your orthodontic needs. This is where you can definitely take advantage of a supplemental dental insurance plan.
The supplemental dental insurance plan was conceived to serve as a substitute for the out-of-pocket payments during dental visits. Apparently, most people find it hard to pay for the dental services that are not covered by their individual or employer-based dental insurance policies. Hence, as "supplemental" as it was named, this plan helps the patients in obtaining a "holistic" dental health care.
It must be understood that a supplemental dental insurance plan is not intended to replace the existing health or dental plans. Rather, it simply acts as a secondary insurance that will cover for the dental service charges, which are way beyond the usual coverages in standard policies. For example, most insurance companies won't pay for a dental implant because it is regarded as part of the cosmetic dentistry; thus, it is not practically endorsed as a corrective dental treatment. For this reason, you may consider applying for a supplemental insurance so your expenses for the said procedure are still covered.
There are at least two popular types of supplemental insurance for dental health that exist today. These are the discounted dental plan and the Preferred Provider Organization (PPO) dental insurance. Both insurance policies have their own set of features that can help individuals in making their decisions regarding the right kind of coverage to apply for. Basically, the main difference of … Read the rest
If you are in the market for dental coverage, then you are probably already in pain. If you aren't – good for you! It is always wise to get your hands on some dental insurance before you need it, but if you are already ready to see the dentist, then you will still come out ahead.
Full coverage dental insurance is the type of insurance that most people are looking for when they think of dental insurance. There are multiple types of dental plans from which to choose – some are actual discount plans while others are insurance. Full coverage dental insurance is not a discount plan, but much more like medical insurance. It doesn't cover everything, but it can save you a lot of money.
For most full coverage dental insurance plans, you will pay out of pocket for the first year. After that, the insurance kicks in more and more, usually up to a maximum level within three years. For instance, if your insurance plan only covers 10% of a root canal in year one, it might cover 30% in year two, and 50% in year three. Discount plans rarely increase their coverage over time.
Keep in mind that with any dental plan, there are always things that won't be covered. Most cosmetic dentistry (except that required because of accidents) is not covered, and neither is orthodontia. But, you can save a lot of money on many typical procedures such as fillings, root canals, extractions, and crowns.
In this day and age, you really can not afford to be without dental coverage. If the worst happens and you break a tooth, lose a tooth due to injury, or begin suffering from dental pain, it is reassuring to know that you can afford to go to the dentist and … Read the rest
Supplemental dental insurance is simply insurance that is purchased directly from the insurance company itself. Someone looking to find dental coverage will go through this insurance company rather than through their workplace because their job may not offer dental coverage. It is not uncommon for employers to offer very little if any dental coverage at all, but some are offering an option for you to opt in or opt out of a supplemental dental insurance policy, in which they will pay part of your premium.
The reason this type of dental insurance is becoming so popular is that the costs of dentistry has gone through the roof and thus have the premiums, so that employers are no longer able to offer those dental insurance plans to their workers.
So who really needs supplemental dental insurance?
1. The self employed. They have to pay their own dental costs and there are discount dental plans that can save a lot of money on both individual dental care and for families of the self-employed as well. Self-employed dental care can offer discounts on basic care like cleanings and x-rays and for cosmetic dentistry as well, like teeth-whitening and braces.
2. Business owners. Employers will find it easier to offer this type of dental care to their employees. In many cases dental insurance companies will make supplemental and voluntary dental insurance available even if the business is relatively small.
3. Those in need of a lot of dental work. If you have put off going to the dentist because you cannot afford dental insurance and you know you need a lot of work done on your teeth, then a discount dental plan may be the best option for you. Do not try to go in there and pay for all your dentistry at full … Read the rest
Health insurance is something everyone thinks about but what about Dental Insurance Plans? Many full-time employers provide health insurance at a significantly lower rate than an individual would pay on their own. Dental care is just as important as healthcare. Poor dental health can lead to many health problems such as cardiovascular disease, diabetes, osteoporosis, and Alzheimer's disease. For these reasons, it is important to consider Dental Insurance Plans or Dental Discount Plans when looking to save money.
When choosing a Dental Insurance Plans, you should decide who needs coverage. If you have children, you may choose to purchase dental plans for only them. Children have different dental needs than adults and those costs can easily skyrocket. Braces and other orthodontic procedures are common for teens and can easily empty your bank account if you don't have dental coverage.
Adults and kids require routine cleanings. Most Dental Insurance Plans and some Dental Discount Plans may cover the entire cost of such routine preventive care. This can save you several hundreds of dollars on cleanings alone for the entire family.
Finding affordable Dental Insurance Plans that cover all your dental needs can be challenging. If you purchase an insurance plan that is a PPO, remember to only visit providers that are "in-network." Paying out-of-network costs can be just as costly as having no insurance at all. Your insurance company will provide you with a list of approved in-network dentists. Dental Discount Plans do not require that you participate in a certain network and will provide a list of participating dentist for you.
A Dental Discount Plan could save you thousands of dollars per year on cleanings, x-rays and dental work. For example, root canals are not all that uncommon and are very expensive. Crowns and fillings can also become expensive when … Read the rest
We hear a lot about the growing number of Americans who lack health insurance. Right now, the number is close to 50 million people. But did you know that twice that many Americans lack dental insurance plans. They are even rarer than medical plans! Some companies do not offer them. Other uncovered people may be unemployed or self-employed, and so they lack dental benefits. In addition, Medicare does not cover many dental services, so many seniors look for additional coverage.
However, some dental services are very expensive. Some people may even put off getting regular checkups or having small problems fixed because they are worried about the bill. When regular checkups, teeth cleaning, or routine fillings get neglected, then small problems can grow into large ones. It is important to figure out how you can afford dental care.
Dental Insurance Policies
A typical dental insurance policy will cover many routine services. You should be able to have checkups, teeth cleanings, and even normal fillings attended to by paying a small deductible or copay. If you need more expensive services like crowns or bridges, it will probably mean you have to be concerned about a yearly maximum which many policies have.
Be sure and check into the details of any policy you plan on buying to make sure you understand how it handles covered services, and how much you will have to pay if the services are covered. Also note the plan's yearly maximum payout. And finally, take note of which services are not covered at all.
What services are not covered? The answer to that question depends upon the policy. But many dental policies do not cover cosmetic dentistry or orthodontic braces. If you are buying a policy to help you cover those expenses, be sure the policy you pick … Read the rest
In the United States there are a number of different insurance plans that you need to have, not just for your safety but also for your own peace of mind. This is especially important if you have young children. You must ensure that you and your family are fully covered for your future health needs.
Dental insurance programs are one of the most important types of insurance to have in place, if you do not have a good quality policy and you or your children require some work it can end up costing you a lot of money. This is something that you cannot afford to risk during these tough economic times. There are various different types of dental insurance plans so you will need to do your research before you decide which one suits you and your family the best.
Dental insurance programs are a little different than most other types of insurance. Nearly all insurance policies are set in place to protect you against an unforeseen accident or injury that may occur and covering you for the expense that may result.
A dental policy, although it will cover for this eventuality, is really in place to pay for the constant care that you require to look after your teeth and gums for the long term so that you never require any serious dental work in the future. Obviously, the insurance companies are well aware of this and will ensure that you have all the necessary preventative work required to hopefully save them money in the future and save you the stress and inconvenience caused by serious dental procedures.
There are a number of different levels of coverage that you can obtain. The one you opt for will really depend on your financial circumstances. Most policies are built around … Read the rest
Did you ever need to ask "what is a dental insurance maximum benefit" when you discovered that your dental insurance did not cover something and you are left with a large dental bill? Or, did you ever find that you needed quite a bit of dental work to get back in shape, but the insurance coverage was way short of what you needed? This is due to your yearly "Maximum Benefit". There are a few plans existing which do not have annual maximums, but they are few and far between. Most plans will include an annual maximum of anywhere between $ 200.00 to $ 4000.00.
Each time your dental office submits to your insurance company for services, the dollar amount paid out will be calculated against your yearly maximum. Once the insurance has paid out that maximum, you will not have any more insurance to use until your plan renews for the following year. In general, this is a reasonable approach to insurance companies paying out on claims. However, it is interesting to note that dental insurance has not made much of an attempt to keep up with inflation.
Dental insurance came about in the 1970's, and it was readily accepted and used. For some people, it was the first time dentistry seemed affordable. Since the exams and cleanings and xrays were generally covered at 100%, it was foolish not to have these services done every year. When / as / or if restorative work was needed (cavities found, etc.), there would be some cost to the patient, but the insurance company would help with a percentage of the cost. Here is the interesting part: the annual maximums were set around $ 1500.00 per year . Back in the 1970's, $ 1500.00 would cover quite a bit of dentistry; it … Read the rest
With the cost of basic commodities rising every day, people are having a difficult time budgeting the money for their basic needs, and this includes their dental care. This is why people are now turning to dental insurance so that they do not have to fret in case a major dental problem happens in the near future. But dental insurance is a bit on the expensive side and most of them offer limited coverage, and many of them do not even cover pre-existing dental conditions and cosmetic surgery which is needed by some people. These are the reasons why most people won't even bother getting dental insurance. Fortunately there is an alternative to expensive insurance, and that is discount dental plans.
Discount dental plans are now becoming the top selection of a lot of companies for their employees' use. With traditional dental insurance it often takes a while when processing applications, and when your applications do get approved the deductibles that they charge are more often than not too high. What's worse is that a lot of insurance companies force their policy holders to pay annual maximums regardless of their coverage needs, resulting to a lot of plan cancellations. These problems do not exist in discount plans. The great thing about discount plans you will get immediate discounts on dental services and on some selected products, no need to fill out a ton of paperwork that usually comes with traditional dental insurance. Discount plans do not require approval, and is activated in as fast as 1 or 2 days, meaning you can get the benefits faster. And another thing that makes discount plans even better is that they even if you have a pre-existing dental condition, you are still entitled to the discounts you want to avail of.
Though there … Read the rest
Dental insurance coverage is important and essential for any individual, especially in times when we least need to be covered in debt. Dental insurance – as opposed to popular belief that it only covers teeth accidents – is actually "all-in" when it comes to covering almost every known dental procedure, even preventative roundups.
Full coverage dental insurance can be quite tricky to find, especially nowadays when more and more insurance providers are leaning on hiding coverage options for major or expensive dental treatments and procedures.
Preventive coverage – by the word itself, this coverage insures coverage of dental expenses for:
- Oral diagnostic examinations
- Full / partial oral x-ray examinations
- Teeth cleanings
- Fluoride treatments
- Composite fillings
- Dental sealants
Do be advised that there is a yearly limit to the number of visits for a particular preventive treatment / examination your coverage will insure. Unless otherwise stipulated in the contract, the patient is insured only for a maximum of two dental examinations per year. Any subsequent (or third) visit for the same checkup procedure and the patient will have to pay out of his pocket.
Restorative coverage – fully or partially (50-80%) insures the patient on any major dental procedure, including:
- Dental crowns
- Fixed partial dentures (bridges)
- Full dentures
- Dental extractions
- Dental implants
- Root canal therapy
- Gum treatments
In 2010, only half of the US populations have signed up / renewed their dental insurance, primarily because of layoffs and the cumulative effects of the trending disinterest of Americans to renew a good number of their yearly subscriptions to cut back on costs.
And who can blame the frustrated people who did not renew their contracts – a lot of insurance providers aren't giving subscribers their premium's worth. Even if the yearly benefits can accumulate to $ 1,500 per person, limited coverage and … Read the rest
While some healthcare plans cover 100 percent of certain treatments, most dental plans do not. In general, these insurance plans provide coverage that is more like discount coupons than like normal healthcare insurance. Many plans cover yearly X-rays and cleanings twice a year, however, it may come as a surprise that they do not cover the cost of fillings or other treatments. Most plans require a co-pay for treatments.
Be sure that dental insurance is the right choice for you before you buy your own plan. Often, people who employers do not provide dental coverage find that the cost of insurance far outweighs the out-of-pocket costs for the screenings and treatment they will need.
In many situations, insurers limit benefits for dental services to what they call "usual customary, and reasonable. Yet these companies grossly underestimate the actual costs for these procedures. Even people with dental insurance, therefore, are stuck paying hefty out-of-pocket fees to make up the difference.
Dental insurance classifies treatments
Most dental insurance policies break down services into three categories, which range from serious to routine. Those classifications determine how much the plan will cover. Most dental plans offer little coverage for the most serious procedures-leaving patients with expensive procedures to pay huge out-of-pocket costs. Routine treatments, such as fillings, are usually have partial coverage, generally around 70 percent. Screenings and cleanings, though, are usually covered by all dental plans.
Cosmetic treatments usually not covered
Dental insurance plans do not usually cover any of the costs of cosmetic treatments, unless one can prove that the procedure is medically necessary. The entire cost of such treatments must be borne by the patient.
The world of dental insurance can be both confusing and frustrating for many patients. Most dental insurance plans are not all-inclusive. Many are listed as "discount … Read the rest