Dental insurance plans

People are often plagued with problems in the teeth and solving these problems can be expensive. Through dental insurance anyone can secure a percentage of their expenses for dental care. There are dental insurance plans for families, individuals or groups. These can be purchased through an employer, online site or even a local insurance agent. A dental insurance provides very good coverage to ensure good dental health.

There are two major types of dental insurance, namely indemnity plans and managed care plans. A person can choose his or her insurance, but regardless of what they choose, it will have impact on their dental health. So they have to have a clear knowledge about these insurance policies before they make their decision.

When it comes to Indemnity insurance, people have more flexibility and control over their dental care plans. In this type of insurance, people have the rights to choose his or her own doctor. However, people have to fill more paperwork and the premium for the dental care insurance themselves. The company will then evaluate the eligibility of that person’s insurance plan and then decide what part of reimbursement will be given.

If anyone does not want expensive insurance plan, he or she can choose the managed care plan. Although it has lower costs, people have to select their doctors from the list the company provides. The insurance provider will cover part of the cost for the dental fees and the doctors will give special discounts as a part of the insurance coverage. There are few types of managed care plans which have gained popularity and trust among the people.

Dental Preferred Provider Organization Insurance Plan
The company providing this kind of insurance plan joins a group of doctors to create a network. These doctors, in each network, will provide discounts to the clients under the same company. However, when a person seeks out another doctor outside the network, he or she has to pay more money.

Dental Health Maintenance Organization (DHMO) Insurance Plan
A group of dentists are also used in the Dental Health Maintenance Organization (DHMO) Insurance Plan. People who are under the DHMO insurance plan can get advantages like discount offer from the doctors. This is possible as the insurance company already paid the doctors in advance. However, if a person is going to a family doctor, then he or she cannot see anyone aside from that doctor.

Dental Point of Service (POS) Insurance Plan
When it comes to dental point insurance, clients can see doctors from the list or they can choose doctors who are not inside the network.

Both indemnity health care plans and managed care plans have advantages and disadvantages. In indemnity health care plan a person can choose the doctor of his or her own preference, and can even change the doctor, especially during travelling. However, complications arise when the insurance provider does not approve the cost for the dental care, and the client has to cover all the expenses. The client does not have to wait for a long time under this insurance plan. This is because doctors feel that they are underpaid when it comes to managed care plans compared to indemnity dental care plan, and they tend to make more room for the clients under the indemnity health care plan. One of the main advantages of managed health care plans is lower direct costs, as all the fees are instantly paid by the company and the doctors provide discounts. In addition to that, there is less hassle with paperwork, and only the insurance number or card is sufficient for verification. The rest of the paperwork is done between the company and the doctor.

Dental insurance plans are very important to everyone. Therefore, a person should carefully decide which plan to choose because it will be responsible for the health of that person and his family for the years to come.

Last updated on Sep 25th, 2010 and filed under Health Insurance. Both comments and pings are currently closed.

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