Why Dental Care Is Important
Regular visits to the dentist are critical to your oral health. Routine visits help keep your teeth and gums healthy, and good oral health affects your overall health. Oral health issues, such as cavities and gum disease, can lead to more serious health issues, such as diabetes, respiratory problems and many others.
Oral health is important in all stages of life. Children, adults and seniors require proper dental care and should visit the dentist regularly. While it is recommended that we visit the dentist twice per year, many Canadians do not go as frequently as they should, often because they do not have adequate dental insurance.
You May Like: How To Obtain A Life Insurance License
What Is Dental Insurance
Dental insurance provides a range of coverage for various dental procedures including preventive care and more involved services like fillings, crowns, and root canals. Like other types of insurance, dental insurance requires you to pay a monthly insurance premium, and you may also pay an annual or lifetime deductible as well as copayments when you visit a dentist for care.
Still, dental insurance works differently than health insurance in terms of how much coverage you can receive. Where the passage of the Affordable Care Act meant limits can no longer apply to health care coverage in any given year, dental insurance plans often come with annual limits as low as $750 or $1,000 per person. Once your annual maximum benefit amount is met, you will have to pay for dental care out of pocket. Also note that dental insurance frequently comes with waiting periods that can vary depending on the type of care you need.
Make sure you dont confuse dental insurance with dental discount plans. Dental discount plans only offer reduced pricing on services for dentists in a specific network.
How To Save Money On Dental Care
With or without dental insurance, there are many ways to make dental care more affordable. Check out these strategies.
Get covered if you can. As mentioned above, employer-subsidized plans are the best way to get dental care covered for working adults. For seniors over 65, Medicare insurance doesnt cover dental services, but you can buy a private Medicare Advantage plan with a supplemental plan for dental coverage.
Some Medicare Advantage plans charge additional premiums for dental, averaging $284 a year in 2016, according to a report by the Kaiser Family Foundation. Seniors can also look for plans through groups like AARP.
States are required by the Affordable Care Act to provide dental benefits to children covered by Medicaid and the Childrens Health Insurance Program . Some states also provide a dental benefit to adults who have Medicaid.
If youre a veteran and have a service-connected disability, you may be eligible for free comprehensive dental care from the Department of Veterans Affairs. Other veterans can buy dental insurance at a reduced rate.
Create a dental emergency fund. Put aside money you might have used for premiums. If you can, save the money in a tax-advantaged account. With a flexible spending account, which is available only with workplace healthcare plans, you can put away money pretax to pay for medical expenses, including dental, that your insurer doesnt cover.
Recommended Reading: Mountain West Farm Bureau Billings Mt
What Are The Expected Costs Of Dental Insurance
The cost of dental insurance varies widely depending on where you live, your age, and the plan you select. However, it may be possible to find a plan that costs less than $20 per month for an individual depending on your state and county.
Note that less expensive dental insurance plans tend to cover only a small percentage of services and come with low annual benefit limits. More robust plans can easily cost more like $40 to $60 per month for an individual, although youll get more coverage, higher annual benefit amounts, and more included services in return.
An Example Of A Dhmo Plan
If you would like to see a more in-depth look at what a DHMO plan entails, look at this description provided by the Humana insurance company.
After you read over what this particular plan covers, get a quote from this company on your insurance costs and see if your regular dentist is already in the network of providers.
Also Check: Getting Your Insurance License
What Is A Dhmo Plan
A DHMO plan is short for a Dental Health Maintenance Organization plan. This plan works similarly to an HMO health insurance plan, and its also known as a capitation plan. Under a DHMO plan, contracted dentists are pre-paid an amount by the insurer for each patient that has elected or been assigned to that dentist. Dentists are then obligated to provide contracted services and covered procedures at the copay amount as listed on the schedule of Benefits2. Since the plan doesnt typically reimburse the dentist or patient for individual services, patients usually must receive treatment at a contracted office to receive a benefit.
The most common advantage of DHMO plans is that participants enjoy lower out-of-pocket costs. Not only do DHMO plans offer discounted dental coverage, but they typically also have the lowest premiums of all dental insurance plans. If you have a DHMO plan, youll only have to pay your set co-payment at the office rather than receiving a bill from the dentists office weeks later.
DHMO plans rarely involve any annual maximums or deductibles youll have to meet before receiving coverage.
To sum up, DHMO plans…
Offer no-cost or reduced-cost services to patients
Involve a much smaller network of dentists
Have lower out-of-pocket costs
Rarely offer benefits for dentists outside of the network
Charge a co-pay for every service
Dont involve a deductible
Dont involve annual maximums
Get Ppo Dental Insurance Today
Brushing and flossing your teeth daily is a great way to stay on top of your oral care. You also need routine care from a professional dentist.
Finding the perfect PPO dental insurance plan to help offset costs doesnt have to be complicated or overwhelming. Let us help you identify the ideal plan for you.
Start by getting a free quote from one of our recommended providers. It only takes a minute of your time and you can explore plan options at the tap of a fingertip.
Don’t Miss: Is Mold Remediation Covered By Home Insurance
What About Blue Dental Plans That Include Adult Vision Care
Your network is VSP, one of the nation’s largest providers of vision care. Although your plan will still share the cost if you get your vision care out of network from an eye doctor that doesn’t take VSP, you’ll pay more.
Unlike dental care, you’ll have a copay for some services. But you won’t have a deductible for vision care.
Best For Discounts: Dentalplanscom
DentalPlans.com doesnt offer dental insurance, but its discount plans are definitely worth considering if you want to receive treatment from reputable providers and keep the costs down. To date, over 100,000 dentists around the nation accept these plans.
Heres how it works:
- Choose from one of 30 dental savings plans from leading insurance providers, like Aetna, Cigna and Delta Dental.
- Show up for your appointment and present your membership card. Youll save up to 60% on covered dental procedures if the provider is in the DentalPlans.com network.
- Pay the discounted rate for your treatment without worrying about exclusions or preexisting conditions.
There are no copayments, coinsurance, deductibles or annual maximums. Plus, you wont ever have to submit a claim for reimbursement as discounts are applied right away. You may also be eligible for cosmetic dentistry services.
If you already have a preferred dental provider, reach out to determine whether your dental provider accepts discount plans.
Recommended Reading: Does Homeowners Insurance Cover Broken Window Seals
How Does It Differ From A Dhmo Plan
If youre new to shopping for dental insurance coverage or you are looking for a new plan, you may not know which plan options will work best for you and your family. Just like regular health insurance, dental insurance offers different plan options to suit your coverage needs. From co-pays to annual maximums to your provider network, each plan offers its own advantages and disadvantages for cost and coverage options to suit your needs.
Dental PPO plans and DHMO plans are the two most popular types of dental insurance plans. Learn what a dental PPO plan is, how it differs from a DHMO plan, and how to find the PPO dental insurance plans that work best for your needs.
Ppo Dental Insurance: When You Should Apply
With all the benefits its offered, not everybody choose PPO dental insurance with their own reasons, mostly because they felt that getting dental services from in-network dentists is way too limiting. However the plans are still offer a lot of benefits and you should take the plans if you are in the following situation:
Other articles you might like
Can You Get Dental Insurance Anytime
Yes. There is no open enrollment period like there is for health insurance. You can buy dental insurance any time of the year, and coverage typically starts within days of submitting your application.
Note: There may be a waiting period for major services, so its smart to review any dental plan youre interested in to confirm the waiting and coverage periods.
What Is Hmo Dental Insurance
HMO dental insurance most certainly has its advantages, including lower costs and a wide range of procedures that are covered. However, the lower price actually comes at a cost, which is a restriction on your freedom to choose your own dentist.
Since HMO typically costs less and subsequently dentist work at lower rates many highly trusted dentists wont accept HMO coverages and you will be assigned to a dentist in which you have no control over. Although there are times you can choose your own dentistry with HMO insurance, you are at best limited to a range of in network dentists. Depending on where you live, this range of dentist in many cases can be small with few trusted options.
With that said, if you already have a primary care dentist that accepts HMO insurance or there is a trusted dentist that is in network that you trust then HMO insurance can be a fantastic way to save money.
Recommended Reading: Do Parking Tickets Affect Car Insurance
Ppo Dental Insurance: What Is It
You may often overheard about the term PPO dental insurance somewhere sometime but dont really know what it is actually represent. Dont worry, this article will explain as simple as possible about PPO Dental Insurance what is it actually? When we need it? As well as some pros and cons for more objective assessment. The PPO dental insurance is actually stands for preferred provider organizations plans. It is one of the most common types of dental insurance plans which also had gained great deal of popularity thanks to many benefits its offer. By using the PPO dental insurance plans mean that the plan holder, as the name implies, would have to receive dental service from dental care providers and specialists, within the inside network of their insurance company. For the insurance member, mostly it means minimum and discounted services.
Ppo Dental Overview: What Is A Ppo Dental Plan
PPOs help you save money because in-network dentists — dentists who are contracted by the brand — agree to charge the planâs lower rates. Itâs as simple as that! PPO dental plans are very popular with both consumers and dentists. In fact, nearly 3 out of 4 new dental insurance plans sold today is a PPO plan, according to experts.
With a PPO, there are limits on the types of dental work you can have done and on how much time your dentist can put into your work. In addition, when you use a PPO, youâll know in advance the most your dental work may cost. Youâll be able to keep your out of pocket costs down, too, but only if you work with a dentist who is in your PPO planâs network.
PPOs typically have a calendar year maximum, deductibles, and waiting periods for some types of work.
You May Like: How To Obtain A Life Insurance License
What Does Dental Insurance Typically Exclude
Dental insurance doesnt normally cover cosmetic procedures like teeth whitening, and you may also struggle to find coverage for pre-existing conditions such as missing teeth. Some plans leave out major services like dental implants and orthodontic care altogether. Make sure to read over your dental insurance policy to see what it includes and excludes.
The Benefits Of Enrolling In A Dental Hmo Plan
There are quite a few upsides to being a member of a dental HMO insurance plan that you should consider.
- If your primary care physician does refer you to a specialist, your insurance plan will likely cover the costs.
- Members of these plans will typically pay very few out-of-pocket expenses. These expenses are also outlined for you ahead of time so you know what you can expect . This means that you have virtually no surprise fees that can set you back financially when you are not prepared.
- Some plans do not require you to pay a deductible fee before your medical needs are covered by your HMO insurance.
Don’t Miss: Usaa Dog Breed Restrictions
Making Sense Of Dental Insurance: Hmo Vs Ppo
For millions of Americans, this time of year is open enrollment, where you are tasked with deciding between multiple confusing insurance policies with various percentages, deductibles, copayments, and other poorly explained numbers.
If you happen to be looking at dental insurance and are planning to pay for it yourself , Ill save you a lot of time and tell you that it is probably not in your financial interest to purchase dental insurance. There are better options, like in house plans, or simply paying out of pocket.
Right off the bat, calling dental insurance insurance is a bit of a misnomer. Insurance is designed to cover a calculated risk . With typical insurance, actuaries calculate and determine the premium necessary to ensure profitability for the company by determining what these potential losses look like across their risk pool.
Dental insurance is inherently different in that these high dollar losses simply arent possible as dental benefits typically max out at $1500 to $2000 dollars a year, however, needing dental care is a practical certainty for most people.
Cons Of A Hmo Insurance Plan
Recommended Reading: Does Dental Insurance Cover Veneers
Differences Between A Dental Hmo And Ppo Plan
Youve finally narrowed down your dental benefits choices and have decided to either go with a dental HMO or dental PPO plan. And this is where it gets foggy. Whats the difference? Which is the best plan for you and your family right now? Youve probably been talking with co-workers, friends or family members, trying to find someone to break it down for you. Well, here are seven differences between a DHMO and DPPO plan that will help you confidently pick the plan thats right for you and your family.
1. Premium Cost
DHMO plan use a pre-paid plan design, meaning their premiums are typically the least expensive of all dental insurance plans.
2. Primary Care Dentist
DHMO plans often require you to select and be assigned to a primary care dentist. You can switch dentists once a month by calling your insurance company. Transfers are usually effective the next month however, even though the transfer may be effective, some offices may not see you until your name also appears on their roster.
All DHMO plans are not the same though. Some have an open accessnetwork that allows you the freedom to choose any network provider.
DPPO plans don’t require you to be assigned to a primary care dentist. They give you the freedom to visit any dentist you want. And you can switch dentists at any time without having to call the insurance company or wait for your name to appear on an office roster.
3. Provider Access