Nowadays, it seems like there are more medical expenses than ever before that aren't covered by health care plans. If you don't have a company health plan, you could face substantial medical costs in some situations, or limit yourself to minimal health and dental care when you need it most.
is designed to pay a portion of the costs associated with dental care. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories:
Dental insurance is insurance designed to pay a portion of the costs associated with dental care. From cleanings to braces, dental plans help you and your family control the costs of dental care.
In general, a dental insurance plan covers a percentage of the dental charges incurred at a dental office.
There are a wide range of coverage options which may include free preventive services such as teeth cleaning, routine treatments including check ups, hygiene and x-rays, as well as planned treatments such as fillings, root canal work and crowns - also called remedial and restorative treatment.
There are several different types of individual, family, or group dental insurance plans for purchase - some of which may be acquired through an employer, a local licensed insurance agent - broker, or an online web site that is licensed to sell dental insurance products.
Example of Coverage Plans Include:
Dental indemnity insurance plan:
Gives you free choice of any dentist you want. There may be deductibles and annual maximums with these plans, too.
There is no industry standard annual maximum limitation, deductible, or co-pay. Such coverages and benefit limitations are determined by each insurance company as filed with the department of insurance.
A dental health maintenance organization (DHMO) is an organized system of dental health care in which a network of highly qualified dentists, who receive fixed monthly fees, provides comprehensive and affordable care for individuals or families at a low monthly premium with services at either no cost or a reduced price. Some services may require a copayment.
Features of these types of plans may include: