What Is Dental Insurance?
Dental insurance is a type of insurance that helps individuals pay for their dental care. While the specifics features of dental insurance plans differ, typically they will include coverage for preventive care like routine exams, x-rays, and cleaning. Most plans will also include coverage for dental services like fillings, extractions, root canals, crowns, and in some cases orthodontics.
The plan you choose will dictate how much you will pay, how much the insurance company will pay and it might even dictate which dentist you need to visit. It’s important that you understand your coverage so that you can take advantage of your benefits and understand what you are responsible for.
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Types Of Dental Insurance
So, where do you start? A good starting place is understanding what type of dental insurance plan you have. Most plans fall within one of the following categories:
- Preferred Provider Organization (PPO): PPO plans have a list of dentists who will accept their plans, referred to as their provider network. Visiting an in-network dentist (a dentist on that list) will give you the greatest savings. Typically you can see a dentist who is out of network (not on the list) but you’ll pay more out of pocket.
- (Dental) Health Maintenance Organization (DHMO, DMO or HMO): these plans provide a list of dentists who accept these plans for a set fee. But you have to see a dentist on that list to get the benefits
- Discount Plan: again, there is a list of dentists who you can see but your coverage simply gives you a discount with them, the company providing the plan doesn’t pay anything for your care.
Once you know what kind of plan you have, you’ll want to find a dentist on the list. Nearly all plans will have a phone number or website to help you find a participating dentist.
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Did you know that a good dental insurance plan can save your smile and your wallet? Many major dental procedures can cost thousands, and even basic cleanings can be more than $100 per visit.
It’s expensive, but it doesn’t have to be. With a low-cost dental insurance plan purchased through Health Benefits Connect, you can limit these costs.
We’ve partnered with some of the best dental insurance companies in the country. Get a quote today, and see how big you can smile.
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