Dental Insurance for IndividualsStandard dental insurance or dental discount card?Dental insurance for individuals makes dental care more affordable and provides motivation to see your dentist twice a year. Should you purchase dental insurance? Whether you have no dental coverage or need secondary dental insurance, supplemental dental insurance is worth looking into.
Dental discount health plan vs full dental coverage
Indemnity plan is the most traditional type of dental insurance and is sometimes called standard dental insurance or
full coverage dental.
Dental indemnity insurance offers the most flexibility...you can go to any dentist you choose. Every plan is different, but most have a deductible and cover all preventivie care, most basic care and half the cost of major care.
Dental PPO or preferred provider plans provide coverage if you choose a dentist from their approved list. The insurance company sets the fees and the dentist agrees to them. You will most likely have a copay for more expensive treatment.
Scheduled plans The insurance provider has a list (or schedule) of procedures with a dollar amount that you will be reimbursed when you have a procedure done. You are responsible for the difference. Discount cards give you a discount at certain dental offices. Dental discount plans are very affordable and help with your dental costs but don't provide as much coverage as other options. DMHO or dental health maintenance organization You choose from a list of dentists. The dentist gets paid a small amount every month to provide preventative care at no cost and basic or major care for a reduced fee. The dentist gets paid even if you don't ever have an appointment. This type of plan sounds good but has quite a few disadvantages.
Does dental insurance pay for implants? A great question with a complicated answer. Click here for more about dental insurance implants. The bottom lineDental insurance for individuals is a good idea for some while others are better off with no dental insurance. Take a look at your dental history. Can't remember? ask your dentist for a summary of your treatment for the last five years. Then consider other factors including....the health of your gums, how many crowns fillings and bridges do you have and are they in good shape?Your dentist and dental hygienist can help. on
On the other hand...if you can't afford occasional unexpected dental expenses or don't have such a great dental history consider purchasing dental insurance. Here are some thoughts good dental insurance and what it should include.
The best dental insurance for individuals depends on the individual. Look at your history and your potential future needs and consider all options. After purchasing dental insurance, follow these tips to
get the most out of your dental plan.
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Welcome!I'm the dental hygienist who wrote this site.
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Hope you enjoy it,
~Shelly~
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