TopConsumerReviews.com
      November 24, 2017

Home  >  Dental Insurance  >  Articles

Your Information Is Secure
Your Guide to Good Health Insurance Newsletter

Latest Reviews

Baby Cribs

Credit Card Consolidation

Graduation Invitations

Gutter Guards

Hair Care Products

Installment Loans

Makeup

Reverse Mortgages

Tickets

Web Hosting

 

Related Articles

Dental Discount Plans Versus Traditional Dental Plans

Dental Insurance Pros and Cons

How Can Dental Insurance Protect You?

Should Children Have Dental Insurance?

What Kinds Of Things Does Dental Insurance Cover?

 

Top Consumer Reviews Articles

TopConsumerReviews.com provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

What Kinds Of Things Does Dental Insurance Cover?

Roughly 60 percent of the population in the United States has dental insurance coverage. The coverage is either provided through a comprehensive healthcare benefits package through an employer, or the individual has purchased a dental insurance plan on their own.

Either way, dental insurance coverage is rising in popularity. With the cost of dental care more expensive than the average consumer can afford, dental plans help to alleviate the financial burden on the patient, while at the same time, ensuring that the patient receives routine dental care which can help to keep their whole body in good health.

The American Dental Association recommends that a person have their teeth examined and cleaned at least twice annually by a dental professional. By doing so, the person is not only keeping their mouth clean and healthy, but also the rest of their body. Poor dental hygiene has been linked to other medical issues such as diabetes, heart disease and even some cancers.

But before purchasing a dental insurance plan, it is a good idea to compare the types of plans and the coverage each provides.

  • Preferred Provider Organization, or PPO. This type of plan offers a network of dentists who have agreed to accept payment at contracted rates from the insurer. PPO plans generally have a deductible that must be met prior to the insurer picking up any additional cost. Once the deductible is met, plans which reimburse 80, 90 or 100 percent of the cost are available. This plan will protect the patient by allowing them to know up-front how much they will be expected to cover out-of-pocket at the dentist each visit.
  • Discount Provider Organization, or DPO. These plans provide dental professionals who are willing to provide their services to patients at a discounted rate for a monthly or annual fee. This kind of plan generally does not include a deductible or payment plan; however, the patient will be responsible for the majority of the cost.
  • Dental Health Maintenance Organization, or DHMO. This plan is the dental equivalent to a medical HMO plan. DHMOs do not generally have deductibles, but rather use a co-pay system that determines the amount of money the patient will be responsible for paying at the time of service. Only dentists within the DHMO network may be used with this plan; otherwise, the patient will be responsible for the full out-of-pocket expense of the visit.

Now that we know about the kinds of plans available, letís discuss the kinds of services dental insurance subscribers can expect to be covered.

Typical dental insurance plans cover preventative and general diagnostic care 100 percent once a deductible or co-pay has been satisfied. Procedures such as root canals, bridges and oral surgery may be covered at anywhere from 50 to 80 percent. Most dental insurance companies will assign an annual maximum benefit to reimbursed services, ranging from $1,000 to $1,500.

The majority of dental insurance plans will not cover what are considered to be cosmetic procedures, such as orthodontics and tooth-whitening procedures.

Four States Dental Care - Get into the dentist & use your insurance before the end of the year (1115

At Four States Dental Care, we want you to know that you are more than just teeth! Dr. Dale Kunkel works hard to build quality and lifelong relationships with his patients while offering the latest advances in reconstructive and implant dental technology ...

Published:  Wed, 22 Nov 2017 10:11:00 GMT



NCD Highlights Scarce Dental Care for Patients With I/DD in Latest Policy Brief

75% of dental students reported little to no preparation in providing care to people with I/DD. * Approximately 60 percent of people in the United States with I/DD rely on Medicaid for their health insurance coverage and Medicaid's low reimbursement rates ...

Published:  Wed, 22 Nov 2017 23:02:00 GMT



Downloadable dental forms: Provider relations letter

Accepting insurance can be a burden due to its nature of providing low fees for the procedures your dental practice performs. As practices grow each year, so do their overhead costs. Although we feel that insurance fees should sometimes be higher ...

Published:  Mon, 20 Nov 2017 10:04:00 GMT



Dental Insurance Market 2017 Global Industry Key Players, Share, Trend, Segmentation and Forecast to 2022

Wiseguyreports.Com adds "Dental Insurance Market -Market Demand, Growth, Opportunities, Analysis of Top Key Players and Forecast to 2022" To Its Research Database. Report Details: This report provides in depth study of "Dental Insurance Market ...

Published:  Wed, 15 Nov 2017 03:39:00 GMT



ProphetCare: A look at health insurance in the Covenant

Why is this A couple of reasons. Firstly, there is a never-ending debate as to whether this should fall under medical or dental insurance. Honestly, I think it's absurd that medical, dental, and sometimes optical are not all covered together. They're all ...

Published:  Sun, 19 Nov 2017 09:00:00 GMT



Delta Dental aims to deliver good oral health, not red tape

... Jim Dwyer is president and CEO of Washington Dental Service and Delta Dental of Washington. Adding an independent review board, administered by the Insurance Commissioner's Office, to deal with disputed claims, as suggested by Dr. Neal, won't ...

Published:  Sun, 19 Nov 2017 11:01:00 GMT



Walton County HR director charged with insurance fraud

Documents collected indicated Walters' insurance coverage from United Concordia Dental listed a dependent, Christopher C. Byrd. Based on Byrd's the date of birth and additional documents provided, Byrd did not qualify as a dependent. With the assistance ...

Published:  Fri, 17 Nov 2017 16:52:00 GMT



USC dental alumni thank veterans for their service with free treatment

"It's a golden opportunity," he said. "I've known people [without dental insurance] who pulled out their own teeth." The 71-year-old learned about the event through his VFW and has been treated at Pham's office for the past three years.

Published:  Wed, 15 Nov 2017 08:07:00 GMT



Share Us!    Share TopConsumerReviews.com on Twitter Share TopConsumerReviews.com on LinkedIn Share TopConsumerReviews.com on Google+ Share TopConsumerReviews.com on Pinterest

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure