What is Included With Dental Insurance?
Dental insurance can be a complicated and confusing topic for most people. Each dental insurance policy is different from one company to another, and within each company, they have a number of different plans. Policyholders must determine which plans are right for their individual or family needs. And, if one has a spouse and each spouse is offered a plan through their employers, it is best to review all plans to determine which is the best.
Before a dentist appointment is booked, it is best to be aware of a number of areas of concern. Many services will not be covered by basic dental plans forcing policyholders to pay out of pocket. Some copays will be higher than others. Also, the level of deductible selected will impact the amount of money paid at each visit.
Is Dental Insurance Part of Health Insurance?
It is important to note that two different types of dental insurance exist. It is possible to have health insurance that also includes dental insurance; however, it is also possible to have a stand-alone dental insurance plan. Given that oral health is directly related to the health of both children and adults alike, it is essential to have dental insurance of some sort at all times.
Dental insurance is also available in two different levels of coverage. A low-coverage plan will require patients to pay higher deductibles and copays; however, they will pay lower monthly premiums. For those individuals who select a high-coverage plan will experience the opposite of lower deductibles and copays alongside higher monthly premiums. The type of coverage a person selects often depends upon whether or not someone has a family or whether or not they are the only person on the plan.
What is Covered?
The policy selected will greatly determine the services that are covered by the policy. Generally speaking, the more expensive the policy, the more services that will be provided. The majority of average policies will entirely cover basic preventative services such as cleanings, checkups and diagnostic care. Additional basic procedures such as root canals and fillings will be covered up to 80 percent of the costs. And, more serious procedures will only be covered at a rate of 50 percent. This will include bridges and crowns.
Another challenge is the variety of dental insurance offered. Policyholders must choose between an indemnity plan, a health maintenance organization (HMO) or a preferred provider organization (PPO). An indemnity plan will allow a patient to choose any dentist they wish to use; however, this often results in significantly higher costs. An HMO only permits dental coverage to a highly limited number of dental professionals; whereas, a PPO is more flexible with dentist selection yet offering a discount to those who choose a dentist within the preferred network.
Benefits of Dental Insurance
Oral health and oral hygiene are directly related to overall health. Healthy teeth and gums have been linked to memory preservation as you age, lower risk of heart disease, minimize inflammation and risk of infection, helps with pregnancy and stabilizes blood sugar. These are only a handful of oral health benefits. And, when one takes care of their teeth and gums they could potentially save hundreds of thousands of dollars in long-term healthcare expenses by preventing the development of disease and illness.
A few benefits that are often overlooked and considered are the emotional well-being and improved self-confidence related to having a nice smile. A nice smile is often highly underestimated in regards to life opportunities and lower risk of depression. It has been proven that a nice smile boosts the self-esteem of people. This confidence and a pleasant appearance often leads to better first impressions, better job opportunities and improved relationships.
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