What You Should Know About Dental Insurance
The insurance industry, in general, can be quite an enigma. There are so many small details involved that it can be hard to understand what any of it means! If you’re looking for more information about dental insurance, how it works, and the various options that are available to you, you’ve come to the right place. Let’s take a look at a quick overview of the ins and outs of dental insurance
How Does Dental Insurance Work?
The obvious objective of having dental insurance is to make dental expenses more manageable. How that goal is achieved varies according to your plan type, but in general, dental insurance plans typically include coverage for routine dental exams, x-rays, and cleaning. Those are the services that fall under “preventive care”. In most cases, you will also have some sort of benefit toward corrective services, as well. Examples of those include necessities such as root canals, crowns, fillings, and more. You may even get some coverage for orthodontics in some cases.
Understanding what benefits are included will help you take full advantage of your plan and ensure that you are prepared for any out of pocket expenses you might incur.
Dental Insurance Plan Types
If you are purchasing your dental insurance plan yourself, you have a handful of options available to you. For those whose plan is administered by their employer, the plan type is usually predetermined and offered as part of a total benefits package. Dental plan types include the following:
Dental Discount Plan: With this type of plan, your company does not pay anything on your behalf. Instead, you are given a list of eligible providers to choose from, and by working with one of these named dentists, you receive predetermined discounts on select dental services.
Dental HMO: The “HMO” stands for Health Maintenance Organization. This plan type gives you a set list of dentists that you can visit, and you must choose from that list in order to receive your plan benefits.
Dental PPO: The “PPO” stands for Preferred Provider Organization. Under this type of dental insurance plan, you have the most flexibility in choosing your dentist. If your dentist is part of the PPO network, you receive the greatest benefit. Your plan still works with out-of-network providers, but you are often responsible for a greater percentage of the total fees.
Here at Best Practice Dental, we are proud to be an in-network provider for most top dental insurance plans. Click here to learn more about insurance plans we accept.