Dental insurance is offered by many employers and most people can get a personal insurance plan outside of their employer’s plan. Despite their low cost and the high level of availability, many people (and their families) don’t have dental insurance and must pay a large amount for unexpected dental procedures.
In order to protect yourself and your family from a large and unexpected dental bill, it’s a good idea to subscribe to a dental insurance plan. Dental insurance is similar to health insurance in many ways. There are a range of plans available with different options that affect the monthly insurance premium.
The first choice most patients need to make is whether they want to use a Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO) dental plan. These two types of plans offer different options for which doctor a patient can see. HMOs tend to make available fewer dentists in exchange for lower co-pays and deductibles. PPOs, on the other hand, are accepted by most dentists.
The next set of decisions most people need to make is what dental services they would like covered, the amount that’s reimbursed for those services, how high their deductible is, etc. Each of these options affects the monthly premium the subscriber pays.
The primary benefit of dental insurance, regardless of which type of plan you choose, is the ability to have routine dental maintenance performed at a lower cost than what you would have to pay without insurance. Some dental insurance plans also cover less frequent, but more costly procedures, such as root canals, bridges, and dentures.
Regardless of how often you and your family visit the dentist, it’s a good idea to subscribe to a dental insurance plan. If your employer offers dental insurance and you’re not already taking advantage of their plan, it may be a good idea to re-evaluate subscribing to your employer’s plan. If your employer doesn’t offer a dental insurance plan, there’s a wide range of individual dental plans available from major carriers, such as Delta Dental, Aetna, Cigna, and many others. Many carriers offer information on their website to help you determine which plan would be best for you.