Why do I need a dental insurance plan?
According to American Dental Association, there are over 2.1 million Americans in the year 2010 who visited hospitals for emergency due to progressed dental conditions. It might be expensive to get a dental insurance, but the number of cases recorded and the money spent on hospital bills is much expensive. Moreover, dental check-up will only be two times a year, and there are dental insurances that offer low rate with excellent coverage plans. Furthermore, most dental insurance companies pay check-up fee in full, so you do not have to pay anything to the clinic.
What to consider when choosing a plan?
In choosing a dental plan, you must know first your primary needs as far as your oral health is concerned. You can check the website of any dental insurance that you may encounter and review the plans that they offer. From here, you may consider the coverage plan, the costs and the services that you may receive.
Any age requirement for dental insurance?
No. There is no age requirement to get a dental insurance. Some people think that they do need a dental insurance, but you might consider getting one because of the following reasons.
• Prevention is better than cure. In dental health care, you will have a regular check-up at least twice a year. Preventing dental problems is much cheaper compared to dental treatment.
• Early detection of certain oral problems and early treatment will save you more.
• The regular check-up will allow the dentist to evaluate certain symptoms related to medical conditions such as heart disease.
How can I reimbursed my money if I choose fee-for-service method?
The process of reimbursing the money that you have paid after the dental service varies among dental health insurance companies. But generally, you have to file a claim to your dental insurance together with the documents or records of the received dental services. They will review the claim and reimburse either the whole amount or a partial amount. If the company refund the partial amount, then you have to shoulder the difference.
What is the difference of fee-for-service to managed care?
The dental insurance plans provide two services that an individual needs to choose. The fee-for-service is the traditional method wherein a person who visits the dentist need to pay for the service before getting a reimbursement from his dental insurance. The managed care system focuses on saving money by encouraging their members to avail bulk services or check-up package. The only downtime of the managed care is its limitations, but if you can pay more, you can expand the package according to your dental health needs.
What is a Preferred Provider Option or PPO?
The PPO is a dental insurance that allows the member to choose a dentist from a list of dental care provider. Members can save more because of the competitive fee. The only drawback in this service is the limitations of other dental services. You can check the PPO dental service plans and evaluate each section for more information.
What is capitation plan?
The capitation plan or sometimes called a Dental Health Maintenance Organization (DHMO) that provides each member an organized dental health care system. This program provides each member to pay a fixed price no matter how often the visitation occurs in a month. For example, the dentist is paid by the dental insurance of $30 for each member every month, and even though the member visits the clinic five times a month, there will be no additional payment that needs to settle.
Is dental insurance plan available to all US States?
Yes. Dental insurance plan is accessible to all the US states.
Is it possible to keep my dentist?
Keeping one dentist all throughout is convenient to the patients, but there are patients as well who wanted to see another dentist. Because of this, dental insurance companies allows their member to choose their preferred option. For indemnity or traditional plans, the member can be different dentist all the time. For PPO plans, the member may stick to one dentist with the same fee, but if they wish to see another dentist, there should be an additional payment. Moreover, if you have a dentist that you want to be your regular dentist, you can review certain plans that you can engage.
Check out our Dental Insurance plans.