So what does basic dental insurance cover? It is just the cost of caring for one’s teeth and gums. Dental insurance is usually sold through a dental health plan or as part of a group plan offered by an employer. The cost can be paid monthly, annually, or both. In many cases, it will be the responsibility of the individual to pay the full amount of his or her policy every month. That amount is usually about two-thirds of the yearly income.
Most dental policies will cover preventive care such as cleanings, X-rays, and fluoride treatments. Preventive care is important for overall health as it can lower the risk of serious tooth decay that can lead to cavities, lost teeth, and even gum disease. This can be especially important in families where one or more members suffer from chronic health conditions or are prone to losing their teeth early. For example, children with chronic diseases such as diabetes or asthma will often need more dental care than other children. Other family members who are at high risk include those with obesity, poor diets, or families where one parent has had a history of lower level dentistry than the other parent. Dental plans can also help families where more than one person in the household suffers from poor dental hygiene or if one of the parents has a pre-existing condition.
Some dental insurance plans are voluntary and are part of an employee benefits program. In these cases, employers offer dental insurance to their employees. In turn, the employees buy dental insurance through the company. However, there are a number of drawbacks to this approach as most dental insurance plans are set up on an individual basis. Employers are not obligated to pay for their employees’ dental insurance.
If a family is on a tight budget, dental care can be quite costly. One way to reduce costs is to obtain group dental insurance. By obtaining a group policy, the family can get affordable dental care at a lower cost. Typically, there are two different types of policies available: HMOs (Health Maintenance Organizations) and PPOs (Preferred Provider Organizations). Depending on your needs, you can select the option that best suits your financial situation.
As previously mentioned, HMOs provide a reduced rate for dental care compared to using a private dentist. If you only need minimal dental work, this might be the ideal option. However, for those individuals that tend to visit the dentist on a regular basis, this option may not be the best one for you as a family. HMO plans require you to use dentists within the network and may limit the type of dental work that is covered.
The next option is a PPO or Preferred Provider Organization plan. As the name implies, a PPO plan allows the individual to pay a pre-arranged monthly fee for dental care. In most cases, the PPO will give the family direct access to a licensed dentist. A drawback to this type of plan is that you will typically have a waiting period before you can be seen by a dentist.
One final option is a discount dental plan. This type of plan offers discounts on specific services for dental services. For example, it may offer a discount for child care, braces, dental office visits and X-rays. Depending on what level of dental insurance coverage you are looking for, there are several different plans that fit your needs. If you do not currently have dental insurance, but are concerned about what does basic dental coverage cover, you should consider these different options to see if they may be of help to you and your family.
Dental care is critical for maintaining oral and overall health. If you do not have dental coverage, it is especially important to make sure that you get proper treatment when needed. Most people want to avoid dealing with the hassles that come along with dental care and instead focus their time and money on other things. The fact is that having basic dental insurance coverage can allow you to take better care of your teeth and be able to get more time for yourself and your family. With so many types of plans available, there is something to meet everyone’s needs.