Dental Insurance 101
Do ever wonder if you could be saving more on your dental work with a better insurance plan? Or ask yourself if you should even have dental insurance? Whether it’s a simple checkup or invasive procedure, dental work can seem simply unaffordable.
Insurance can be the answer, but which one is best for you? Here is some helpful information about the basics of dental insurance plans.
- The three main varieties are:
- PPOs (preferred provider organizations) allow their customers to see almost any dentist. No need to stay in-network to use your insurance benefits, however, patients are typically given extra reduced rates if they choose an in-network dentist. PPOs account for approximately 70% of dental policies.
- HMOs (health maintenance organizations) give covered access to dental professionals (often with cheaper monthly premiums), but only within a limited network.
- Indemnity Plans allow a patient to see any dentist and typically pick up a set percentage of the costs. These usually have a deductible that must be met before insurance covers anything.
- The advantage of PPOs and HMOs over indemnity plans is that dentists within the PPO and HMO networks typically agree to accept lower fees for procedures, which could mean less financial investment from you.
Odds are, that whether you need just regular cleanings or major work, there is an insurance plan just right for you. Our office makes a dental diagnosis based on your best interest.
Even if you’re not sure if your plan covers a procedure, talk to us so we can make something work. Following the treatment recommendations of your dentist, even without full insurance coverage can actually save you hundreds of dollars in the long run.