People often do not pay as much attention to their dental health as they do to other illnesses, often with serious consequences. To keep dental diseases at bay and to meet the rising costs of dental treatment it is important that you choose a good dental plan. Having a dental plan should encourage you to take more preventive care of your teeth to avoid more serious dental problems.
With medical insurance services, the cost of a particular medical treatment or health check is reimbursed directly by the insurance company to the medical service provider. With dental insurance plans, the company is responsible for reimbursing the dentist. Dental plans can however vary in type and feature. Dentists participating in discount dental plans take lower fees than those covered by regular dental plans, with discounts varying between 20% and 60%.
All dental plans charge a membership fee, with the amount varying from one plan to the other. Dental plans are offered to either individuals or to the whole family, with family dental plans usually offering bigger discounts than individual dental plans. You should compare the rates charged under the different plans before selecting the most appropriate one for you.
It is important also to know the type of dental services covered by your dental plan. Routine dental check-ups and dental treatments such as oral examination, teeth cleaning, fluoride treatment, teeth fillings, and teeth extraction are generally covered by most dental plans. However, dental plans do not always cover major dental care treatments such as oral surgery, dental implants, restorative care, braces, root canal treatments, etc. In case of such costly dental procedures, you, unfortunately, have to foot the bill yourself. Often there are a number of alternative treatments available for certain dental problems. Under such circumstances, dental plans allow reimbursement for the cost of the basic dental treatment, and further costs in excess of the basic treatment cost have to be covered by the patient.
Dental health plans may or may not allow you to choose your own dentist, but it is common practice for patients to generally receive dental care from dentists mentioned in the plan. Before choosing a plan make sure that the participating dentists practice in your area. Choose a plan that is accepted nationwide and not restricted to your state. Check whether you are allowed to visit the dentist unscheduled, or at scheduled hours only.
You also need to decide whether you want an annual plan or a monthly plan. Annual dental plans are more cost beneficial than monthly plans. So get regular checkups with your dentist to reap the maximum benefits out of your dental plan.