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Why is Dental Insurance Important?

By |2019-03-05T22:52:53+00:00August 15th, 2019|Categories: Blog and News, NHIA Blog|Tags: |

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If your eyes are the window to your soul, then your teeth are the window to your health. The CDC says the overall condition of your dental hygiene and health are directly related to the holistic health of your body. When you consider that significant fact, it’s easy to see why visiting the dentist regularly is so important for your health.

Going to the dentist is not free, however. Sure, you only need to visit the dentist around twice a year, but when you add in other costs outside of your exam – such as x-rays and treatments – the price quickly increases. Having dental health coverage is important; yet, most adults opt out of paying for dental insurance. When you look at the costs, it easy to see then why people without insurances are also not visiting the dentist nearly as much. If you’re wondering if dental insurance is right for you – hint, it is! -here are the top five reasons that owning dental health insurance is so important.

Helps Pay for Expensive Healthcare

Healthcare, in general, carries a hefty price tag, and dental healthcare is not exempt from this. The most important aspect of having dental insurance is that it eases the finical burden of visiting the dentist. More and more people are skipping out on regular dentist visits in order to save money, and it is causing an increase in many health issues including gum disease. By purchasing dental insurance, you will be able to regularly visit the dentist without the financial burden.

Maintains Dental Health

Once the price tag disappears, and you are able to visit the dentist more often, your dental health will improve. By purchasing dental health insurance, you will be able to attend the visit required for maintaining your dental health. Biannual dentist visits are recommended, but, based on your current dental health and your lifestyle, your dentist may suggest more.

Many Options

Insurance is not a “one size fits all” product. Your lifestyle and health are unique to you, and your health insurance should be too. If you’re not sure where to start, you can contact a professional to get a free quote and see what type of insurance will be best suited for you.

Great Savings

According to the National Institute of Dental and Craniofacial Research, over 200 million productive hours are missed each year because of dental illnesses. By visiting the dentist regularly, you will be able to fix these issues before they become true illnesses – allowing you to save time in the future. Being able to save not only money but time, is one of the greatest benefits gained by purchasing dental health insurance.

Insurance Encourages You to Visit the Dentist

If you pay for a hotel for a month, you’re more likely to go on vacation at that time, right? Dental insurance works the same way. When you’re paying for dental insurance, you are much more likely to take the time to make use of your insurance by visiting the dentist. Owning dental insurance helps you stay responsible for your dental health.

Understanding Dental Health Insurance

By |2019-03-05T22:43:25+00:00July 14th, 2019|Categories: Blog and News, NHIA Blog|Tags: |

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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.

Final Thoughts

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!

 

 

Medicaid – Dental

By |2018-10-03T17:56:31+00:00October 15th, 2018|Categories: Blog and News|Tags: , |

Medicaid has always been a popular healthcare option for low income people. Since the Affordable Care Act was signed into law in 2010, Medicaid expansion became one of its main features. Yet, while it covers a wide gamut of services, including dental services for children, it tends to be deficient in the area of dental benefits for adults. Limited access to oral healthcare can affect one’s overall health. Poor oral hygiene can lead to seemingly unrelated conditions like heart attack and stroke. The degree to which Medicaid offers adult dental services varies state to state.

Children’s Dental Services

Children younger than 21 who are covered by the Children’s Health Insurance Program (CHIP) are automatically eligible for dental benefits under Medicaid. This is all part of the Early and Periodic Screening, Diagnostic and Treatment (EPSDT) benefit, which requires that dental services be provided if deemed medically necessary.

Adult Dental Services

States have the option of deciding which dental benefits, if any, adults would receive. Though emergency dental care is guaranteed in most states, fewer than half provide extensive care. Studies show that 27 percent of adults 20-64 have untreated cavities. Forty-four percent of adults with an income below 100 percent of the federal poverty level (FPL) have cavities that have gone untreated. Seventeen percent of adults who have an income level at or above 200 percent of the FPL have untreated cavities. Figures are much higher for blacks and Latinos compare to whites.

Why Are There So Many Restrictions for Adults?

Medicaid severely restricts many adults’ access to dental care largely because of the cost involved. In fact, many states set a cap on the amount they’ll spend per person, or they impose a limit on the number of services they’ll offer. In February, 2016, fifteen states offered adults on Medicaid a broad array of dental services, which included a blend of preventive, diagnostic and restorative services, with an annual cap of at least one thousand dollars. Nineteen states, however, gave adults on Medicaid limited dental benefits with a expenditure ceiling of less than $1,000. Thirteen states provided dental services only for emergency care, covering things like injuries and extractions as well as pain relief. Yet, four states didn’t offer adult Medicaid recipients any dental services. A tragic aspect of all this is that some recipients, though they may have access, still face high out-of-pocket costs, frequently making it cost-prohibitive.

Often a state’s economic picture affects the state of Medicaid dental services for adults. For instance, California dumped non-emergency dental benefits for adult Medicaid recipients, but restored many of the services in 2014. Illinois also eliminated access to non-emergency dental services in 2012, but two years later reinstated its benefits, including such services as oral surgery, dentures and limited fillings.

For more information on dental services offered to Medicaid beneficiaries, please contact us.

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This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.