Any type of insurance can be handy, especially if you want to save on payment in case of an emergency or an accident. While regular dental care and checkup are essential for dental health, most of us forego the checkups and only visit the dentist when we have an emergency. This is where having a dental insurance plan for you and your family can be helpful.
A dental insurance plan covers the accumulating costs of a dental checkup. With insurance, you can cover the costs of accidental injuries or treatment. So, if you have a kid in the house, it is prudent to invest in a good dental plan before accidents happen. However, before you do that, you need to know about the different types of dental insurances available in the market.
Types of Dental Insurance
Just like other medical insurance plans, there are three types of dental insurance plans available in the market. They are
- Dental maintenance organization plan
- Indemnity Plans
- Preferred provider organization plan
In case of dental maintenance organization plan, the insurance provider restricts coverage only to a couple of dentists in the network. On the other hand, for a preferred provider organization plan, you can visit dentists outside the network. Lastly, the indemnity plan helps you choose any dentist, without restrictions. It provides the most freedom out of the three types of plans. The American Dentist Association is advocating for the best coverage for both patients and dentists. In the meantime, we will continue our dental health insurance review.
How Dental Insurance Works
Now that you have an idea of what the different types of dental insurance are available in the market and why it is important, let’s have a look at how it works. Most dental insurance agency follows the 100-80-50 rule. This means you get paid 100% of your dental related expenses, which include annual checkups, and preventive measures.
80% of the costs are paid for medically necessary treatments like root canals or fillings. While 50% is paid for emergency services like bridge works, crowns and other dental procedures. Before you choose a plan, speak with your insurance agency, because some agencies might not cover the emergency services, or might have a set of rules for you to follow.
You can choose a standalone dental insurance plan or you can also choose a medical insurance plan, which comes with a dental coverage option.
However, you cannot buy a marketplace dental plan unless you are buying a standalone health plan or have bought one before. Additionally, dental coverage is a necessary health benefit for children. So, if you are buying insurance for anyone below the age of 18, they are automatically covered for dental insurance. However, it is not essential for adults, and your insurance company is not liable to provide you with added dental benefits on the same health coverage.
Dental insurance or any form of health insurance can be quite confusing. However, you can always speak to the professionals at National Health Insurance Agencies Inc. We offer you a free consultation to help you choose the best plan. So, what are you waiting for? All you need to do is call us, and we will get back to you!