Dentistry services can get expensive, just like any other health care services. And just as you would use health care insurance to help you pay regular health care, you can purchase dental insurance that will help you and your family enjoy healthy smiles without breaking the family budget. Your employer might offer dental insurance along with regular health insurance or you might have to procure your own. Depending on the insurance provider you choose, here are the most common dental insurance plans that you’ll have to choose from. Choose wisely and you’ll find your family’s dental care much more affordable.
Traditional Plans Or Indemnity Plans
This type of dental insurance will typically cover your regular check-ups and cleaning appointments, allowing you and your family to achieve maximum oral care while only paying the insurance plan’s premium. However, if you or any member of your family suddenly need an emergency root canal or tooth implant, that’s when this type of insurance can get expensive.
These plans will typically pay for 50-80% of the cost of the procedure and then you have to make up the rest. Your insurance plan may also have deductibles and maximum dollar benefits that can affect this cost. Be wary of these types of instances if you are going to choose this type of dental insurance plan.
PPO Or Preferred Provider Organization
This is a very common dental plan whereby the insurance company establishes contracts with dentists in a particular area to form a network for dental treatment providers. The dentist then decreases his or her fees in exchange for being in this vast network and receiving far more patients as a result. The PPO acts very much like the Traditional Indemnity plan, which has you paying a co-pay or a deductible for extra procedures but pays for your regular treatment. You will have to choose dentists in your insurance company’s network, but this plan is usually the preferred and affordable choice for many dental patients.
These are just a couple insurance plans that you have to choose from. Do your research and find the plan that’s right for your family and budget and you’ll find going to the dentist to be much less of a financial burden on you and yours.