Health Tips » dental insurancehttp://ehealthadvice.info
Sat, 03 Nov 2012 14:29:48 +0000en-UShourly1http://wordpress.org/?v=3.4.2Sinking Your Teeth into Choosing Dental Insurancehttp://ehealthadvice.info/choosing-dental-insurance/
http://ehealthadvice.info/choosing-dental-insurance/#commentsWed, 08 Aug 2012 18:02:23 +0000Bharathhttp://ehealthadvice.info/?p=756One of the most common types of health insurance purchased today is dental insurance. It is designed to help people handle the expense involved with maintaining oral health and dealing with unplanned dental emergencies as well as preventing the need …Read more »]]>One of the most common types of health insurance purchased today is dental insurance. It is designed to help people handle the expense involved with maintaining oral health and dealing with unplanned dental emergencies as well as preventing the need to pay the full cost of dental services.
Based upon the type of dental insurance purchased, the services provided could vary but most usually cover certain services such as teeth cleanings, fillings, orthodontia, x-rays, oral surgery, etc. As with all health insurance policies the more complete coverage is usually offers by large groups sponsored by an employer.
An indemnity dental insurance plan provides the insured with quite a bit of flexibility. There are no limitations in choosing a dentist as with other plans. The cost for this type of insurance is usually higher but the flexibility of choice attracts many people.
Preferred Provider Organization (PPO) is considered a managed car program type of insurance. This means that the dentists who are involved in the PPO have contracted with the insurance company to charge the PPO policy holders an agreed upon amount for their services. The benefit to this type of dental insurance plan is that it enables policy holders to get services at the lowest possible rates.
Dental Health Maintenance Organizations (DHMO) is referred to as a capitation dental plan. With this plan insurance companies make an agreement with a certain group of dentists to specifically treat members of the DHMO. This type of insurance pays the group of dentists a specified amount per patient. It is usually the least costly type of dental insurance but may only provide policy holders with preventative as well as basic dental care.
There are times when people have a dental insurance policy that doesn’t cover services completely. The dental discount cards are usually used with a network of dentists who agree to decrease the price of their services for the dental cardholders. Some plans offer a specified percentage off the amount charged by the dentist and other plans have set fees.
People usually pay the same price for a dental insurance policy if it’s purchased directly from the insurance company, an insurance broker, website or third party agent. If paying for a policy through an agent or broker it is advised to payments be made out in the name of the insurance company providing the policy.
Getting the dental insurance policy that fits your situation can be a challenging experience. It’s best to understand your age and dental situation. If you’re going to need serious dental work and have a particular dentist you want to use who belongs to the correct plans, a PPO or DHMO might work. If flexibility is important when choosing a dentist and cost isn’t an issue, then an Indemnity plan may work best. It’s important to remember that choosing the best type of dental insurance is always determined by your personal needs.
Information on Dental Insurance can be obtained in abundance from Dentalinsurance.net .