Everybody is supposed to have health insurance, but they must understand that dental insurance is different. It might not be as cost-effective as some would want, which is why it is crucial to find out if it is worth the effort. Getting medical insurance is a no-brainer because in most cases, it saves you money in the short and long term. If you have a high monthly premium, you will part with a lower deductible and vice versa. On the other hand, the goings-on in the dental insurance is a little bit different. You can have the advantages and disadvantages of purchasing a dental policy from your employer or an insurance agency.
In some cases, there is no way dental insurance will save you money, even if you go for that dental care that you need. This brings us to the next question:
How much does dental insurance cost?
The cost of the dental policy varies depending on which state you are in. On average, the annual payment can amount to $360, which translates to about $15 and $50 every month. Most of these plans come with a maximum annual coverage limit. As opposed to medical coverage, which caters to your bills after hey, reach the amount of your deductible, the dental policy will cut off your coverage once you exceed the annual limit. Other additional costs will have to be catered from your pocket.
So how does one use dental insurance?
Like medical insurance, this policy has a list of in-network as well as out-of-network dentists. If you can stay within your network, your payments will be less since dental insurance here will cover more. For those who would go out of their network, the payments may be a bit more. Some dentists can be willing to work with you on this if you are an already established patient with them. It may be worth repaying a bit more if you have landed a great dentist.
You may need to pay for your dental work, and the insurance company will refund you the entire cost. If this is the situation, you have to be ready to pay every time you visit your dentist. You can also contact your dentist to ascertain if they can file the claims for you. More so, be aware of the forms you need to fill in the office will not file for you.
Dental insurance for braces, dentures, and bridges
The typical dental insurance policy can cover up to 80% of the cost of basic services like root canals and fillings. T should also cover 50% of the cost of major dental procedures like bridges and crowns. You only have to pay the rest of the money owed in a process dubbed “co-pay”. This implies that although you have not used the annual maximum for a major procedure, you will still fork a portion of your bill from your pocket.
Most of the dental insurance is likely to have a deductible that you pay from your pocket before the policy can cover the portion of the entire cost. Do not plan on getting dental insurance and getting immediate financial assistance for pre-existing conditions. Some of the individual dental insurance includes:
- Dental health maintenance
- The dental preferred provider organization
- Dental indemnity insurance
When choosing your dental insurance, you are likely to go with the one offered by your employer or professional association. If you are buying it on your own, consult your dentist and see the plans they accept and recommend. If you do not have a dentist, you can go to a new one and sop for a plan that meets your needs. Be sure to choose a dental plan that works for you.