Do you really need dental insurance?
Many of us ask this question about all insurance in general. While I am a firm advocate of insuring against loss you might not need to buy dental insurance if you're young and healthy, have no dental problems and only go to the dentist twice a year for cleaning. The cost of insurance and copayments might very well be more than the cost of the cleanings.
However, if you are not a healthy person or have had a rough dental history, you might very well want to purchase dental insurance or join a dental discount plan. Dental procedures can be very expensive. Even with fluoride in our water millions of Americans each year have cavities filled, root canals preformed and teeth extracted.
There are many factors that effect the health of our teeth. Some are as simple as dental hygiene (brushing teeth properly). Others factors like stress, personal habits and nutrition can also play a role in the health of our teeth. Even under the best of conditions most people will be faced with dental expenses, beyond simple cleaning, sooner or later. Listed below are some different types of dental programs.
Dental Insurance Programs
These are the traditional fee-for-service insurance plans. You pay a monthly premium to an insurance company and in return it covers a portion of your dental expenses. Some typical features of these plans:
In general, an indemnity plan will pay 100 percent of the costs for preventive services, 80 percent for common restorative services, and 50 percent for major treatments, such as crowns and orthodontics. For more information on dental plans available in your area visit our specialist site below.
Dental Preferred Provider Organizations
Another true insurance plan, a PPO falls somewhere between an indemnity plan and a dental HMO. A group of dentists agrees to provide services at a deeply discounted rate, giving you substantial savings - as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:
HMO Dental Insurance
These insurance plans, also known as "capitation plans," operate like their medical HMO cousins. Some typical features of these plans:
Dental Discount Plans
Discount dental plans are a lot like coupon books where you get a percentage off when you shop at participating merchants. With a dental plan, you don't actually get coupons, but you must go to a dentist who has agreed to participate in the plan and offer services at a discounted rate - $450 for a crown instead of the standard rate of $750, for instance. For individuals and families discount plans seem to represent the best value.
Some typical features of these plans:
It's important to keep in mind that a discount dental plan is not the same thing as an insurance policy. You are purchasing access to dentist who have agreed to reduced rates for their services and therefore you must use dentist within the network.
InsBuyer helped over 4.2 million consumers with insurance related needs in 2004 and over 720,000 insurance quotes were requested for car insurance, home insurance, life insurance and health insurance. Thank you for letting us help you find an affordable dental program.
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