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      September 21, 2017

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Dental Discount Plans Versus Traditional Dental Plans

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How Can Dental Insurance Protect You?

The American Dental Association recommends seeing a dental professional at least once every six months for a cleaning and exam. Good dental health can help to prevent several other health issues, including heart disease and diabetes.

Dentists prefer to prevent dental problems, rather than simply fix them after they occur. Regular dental check-ups allow dentists to identify signs of dental disease before they progress, making them more difficult and expensive to fix.

Many people avoid going to the dentist for financial reasons. The average cost of preventative dental services, including exam and cleaning, depends on the area in which a person lives. Annual cleaning and exams run between $100 and $200 per visit. Add in dental x-rays ($30 to $100) and topical sealant used for children to help prevent cavities, and a routine visit can push close to $300.

In comparison, 42 percent of Americans do not have any form of dental insurance, making even a $100 visit to the dentist unaffordable. Those who do have dental insurance generally have it through an employer. However, there are many options on the market for those who wish to purchase their own dental insurance. The cost of the plan depends on the coverage included within it.

Most dental plans are set up in a similar fashion as health insurance plans, offering monthly premiums, deductibles and covered services. Some dental plans offer networks of approved providers at a savings. There are several kinds of plans available:

  • 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 the 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 costs.
  • 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.

While no dental insurance plan is perfect, the alternative is less desirable. Allowing your dental health to erode to the point of needing major dental repairs is never a wise or financial sound decision. The more damage you have to your teeth, the more expensive the bill will be, with or without insurance. The best way to use dental insurance to protect your teeth and mouth is to take full advantage of it, engaging in preventative visits for routine check-ups and cleanings.

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



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