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What Kinds Of Things Does Dental Insurance Cover?

 

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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.

Spirit Dental Releases New Full Coverage Dental Insurance Plan

Spirit Dental has recently announced they have added a new Full Coverage Dental Insurance Plan that has an increasing maximum annual benefit. Also included in this plan are Spirit Dentals increasing coverage levels. This new plan will allow customers to ...

Published:  Mon, 18 Sep 2017 19:08:00 GMT



Cost of dental care hinders many

Even for those with normal employee-provided dental insurance, the cost for anything other than basic dental care can be very difficult for many. For those who do not have dental insurance, the cost of basic dental checkups and cleaning can be expensive ...

Published:  Tue, 19 Sep 2017 00:22:00 GMT



Prevention is key to keeping family dental costs down

ROANOKE, Va. (WDBJ7) Some kids hate going to the dentist. And for parents, it can be a real pain in the wallet, even with dental insurance. But there are some things families can do to take a bite out of dental costs. Whether it's a cleaning, a filling or ...

Published:  Wed, 20 Sep 2017 06:14:00 GMT



Kleer Takes a Bite Out of Insurance with Newly Launched In-House Dental Platform

WAYNE, Pa.--(EON: Enhanced Online News)--Kleer announced today the pilot launch of their in-house dental platform. The three month pilot is invitation-only with dentists participating from around the country. Kleer's innovative business model, which ...

Published:  Mon, 18 Sep 2017 05:17:00 GMT



Dental Health Services fined $300,000, ordered to develop plan to fix violations

Citing numerous violations, Insurance Commissioner Mike Kreidler has fined Dental Health Services $300,000 and ordered it to develop a compliance plan to resolve consumer concerns. Company officials agreed to the order, which requires Dental Health ...

Published:  Fri, 15 Sep 2017 00:16:00 GMT



BCBS selected to provide dental coverage

UAB offers dental insurance during the annual open enrollment for benefits, and eligible employees of UAB, UAB Hospital and UAB Hospital Management LLC will have the option to choose or decline that coverage between 7 a.m. Oct. 27 and 5 p.m. Nov. 13.

Published:  Thu, 14 Sep 2017 17:00:00 GMT



Maxxlife Financial Inc. Offers Life Insurance to Suit Individual Needs

This insurance may be a little more costly but no medical or health questions are required and each case is based on the applicant's recent health history. Maxxlife Financial Inc. also offers dental insurance and travel insurance. For more information ...

Published:  Wed, 20 Sep 2017 10:16:00 GMT



Cook Crossing offering free dental care Oct. 6

According to the U.S. Department of Health and Human Services, approximately 108 million Americans are living without dental insurance. During Free Dentistry Day, free extractions will be provided between 9 a.m. and 3 p.m. Oct. 6, at 4112 N. Belt Highway.

Published:  Thu, 14 Sep 2017 09:02:00 GMT



Buford Family Dental Featured as 2017 Top Patient Rated Buford Dentist by Find Local Doctors

Affordable dental care is also a priority at Buford Family Dental, as they not only accept dental insurance, but they offer special discounts as well as flexible financing plans through CareCredit and Lending Club. Giving all patients access to state-of ...

Published:  Mon, 18 Sep 2017 06:17:00 GMT



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