Dental insurance is an important part of your health insurance. Keeping oral health in top condition has been a common practice today. Having a dental insurance plan would help a lot since it can help you save for pricey dental care especially if you will opt to purchase plans that will give you access to dentists who agreed to reduce their fees. Here are some things that you ought to know before purchasing dental insurance.

Indemnity, PPO, DHMO, and Dual Plan

There are several types of dental insurance. You can purchase indemnity which is also known as the true dental insurance. It gives you the freedom to choose your dentist but you will find dental insurance of this type as more expensive than others.

If you want to save on dental insurance then you can choose to avail PPO and DHMO dental insurance plans. They are more affordable than indemnity but you will be obliged to choose on the insurer’s network of dentists. Normally, this type is also advantageous because the dentists are the ones who file claims. It saves you time and keep you away from the hassles of paperwork.

Some people also opt to avail secondary dental insurance plan. Such kind of plan will not give you double coverage but it is a good way to reduce your out of the pocket expenses. If you are a dual dental insurance plan holder and each of the plans give two prophylaxis treatments per year, then you can get four cleanings each year. The primary dental insurance plan will cover you as an enrollee while the secondary plan will cover you as a dependent. The primary plan will give you the benefit as if you do not have a secondary plan. The secondary plan will then pay for the supposedly out of the pocket cost in the primary plan.

Preventive, Corrective and Cosmetic

There are three main types of dental services namely preventive, corrective and cosmetic. Preventive treatments include oral examinations (both initial and recall), x-rays, prophylaxis and fluoride treatments. The corrective treatments include fillers, tooth removal, and tissue biopsy. Corrective dental treatments may also include necessary dental services to restore dental damages caused by accidents. Many people are also looking for cosmetic dental problems like implants and bleaching. It is possible to find dental insurance plans that cover such kind of service.

The dental insurance quotes should give you details on the standard preventive, corrective and cosmetic dental services that are included in the plan. If not, you should ask the broker or the insurer.

Maximums, Limitations and Exclusions

Dental insurance plans also have an annual maximum. The dental insurance quotes should tell you the maximum amount that the plan will pay for your dental treatments in specified period – usually a year.

You should also be aware that a dental insurance plan may not pay for all your dental treatments. Your insurer or broker should inform you about the limitations and exclusions. You can ask if they fail to do so. You have the right to getting a plan booklet which will tell you the plan’s limits on the number of visit or procedures.

Fraudulent Tactics

Most uninformed individuals will be paying extra bucks due to fraudulent tactics of dentists or insurers. Some notorious deceitful acts include performing unnecessary dental services and overbilling or incorrect billing. Thus, it is important to know what dental treatments you will need for the year before requesting for dental insurance quotes or file the claim yourself instead of relying on the dentist.

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Category: Finances
Keywords: Dental Insurance