There are many insurance companies offering dental care plans nowadays. It could either go together with your medical insurance or you have the option to choose which insurance company to get your plan from. Whichever you choose to do, it is important to know first the basics about dental care plans so you will be able to make the right decision and not have any regrets.
First, let us see why dental care plans are a must.
Having the right dental plan can make dental care affordable. Dental care could be quite costly but if you have a dental plan, there is a way for you to get the treatment you need even if the cost could be quite high. Also, the right insurance can help prevent illness because plan holders are usually encouraged to make the most out of their insurance by going to the dentist for regular check ups. This way, your dental needs are monitored closely and any kind of dental illness could be detected right away. Financial health could also be protected by dental plans. In cases wherein accidents occur and a person needs to undergo immediate dental treatment like surgeries and other procedures, having a dental plan will keep the cost of the treatment down and the patient could get the treatment with less delays due to financial constraint.
There are three basic things that are included in dental care plans – preventive and diagnostic dental care, basic dental care and procedures, and major dental care. With preventive and diagnostic care, dental plans cover basic dental costs meant to prevent dental diseases or problems such as cleaning and regular checkups. This is the coverage inclusion that is considered as the most important not only because it help prevents dental diseases but also because it encourages plan holders to seek regular checkups thus making the most out of their insurance.
Basic dental care and procedures include fillings, tooth extractions, fixing chipped teeth, and other basic procedures. There are other dental plans that cover additional procedures like root canals. Major dental care, on the other hand, includes dental surgeries, orthodontics, denture work and other expensive dental procedures. For basic and major dental care, some insurance companies do not cover the whole cost of the procedure but only a portion of the service fee. So in this case, it is best to check and compare different dental plans to see which could offer the best coverage on these types of dental care procedures because they are the ones that most likely to be costly.
Another factor that plan holders could consider is the yearly maximum benefits. Most dental insurance policies set a maximum yearly dollar amount to cover for dental care needs. If a plan holder goes over that maximum amount, then he or she will have to pay for the exceeding amount. But if ever the plan holder does not maximize that amount, the remaining amount not used within a year will not be carried over to the next year.
With all these basic information at hand, you will be able to have an idea what to look for in a dental insurance. Determine first your dental needs, check insurance plan policies, and then decide which will suit you best.