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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.

How to get all the dental expertise for a fraction of the cost

The cost of it can be a barrier as well. While most people facing transplants have medical insurance, they may not have dental insurance. Also, the other bills associated with their illnesses may be so overwhelming that they don't have the resources to ...

Published:  Wed, 24 May 2017 14:07:00 GMT



Delta Dental refuses to pay for ABQ dentist's insurance claims

Delta Dental is the country's largest dental insurance carrier, covering nearly 60 million people. "As long as our CEO is in charge, it will be no," said John Martinez, a Delta Dental of New Mexico spokesperson. The links below will take you to other 4 ...

Published:  Tue, 23 May 2017 08:03:00 GMT



Lincoln Financial Group's Dental Insurance Network Ranked Number One by Leading Industry Report

Lincoln DentalConnect ® takes home the top spot for access points, according to biannual NetMinder Report RADNOR, Pa.--(BUSINESS WIRE)-- Lincoln Financial Group announced today that the company's dental network, Lincoln DentalConnect ®, is ranked number ...

Published:  Tue, 23 May 2017 07:24:00 GMT



Blend Extra: Important Information About Dental Insurance

Many people are without dental insurance, or are retiring and losing their dental insurance. Dental insurance is an understated but necessary conversation when planning your health insurance. Joining us with important facts about dental insurance and how ...

Published:  Wed, 17 May 2017 11:27:00 GMT



Dental insurance in Singapore

Some plans offer you further dental coverage. Dental coverage is usually of two types: routine dental: polishing, scaling and standard compound fillings, etc. Significant dental: elimination of impacted, buried or un-erupted tooth, removal of roots, new or ...

Published:  Tue, 16 May 2017 07:19:00 GMT



Why American dental insurance is so unspeakably awful

Wendell Potter writes in a series of posts about the poor state of dental coverage, that millions of Americans - 36 percent, according to a 2013 survey -put off visiting the dentist because of the cost of dental care. Last year, I became one of them.

Published:  Sat, 29 Mar 2014 21:00:00 GMT



Insurance outsourcing: Is it right for your dental office?

Outsourcing dental insurance may not be for all dental practices, but it has worked wonders for the office where office manager Laura Hatch works. Find out if it's a good fit for your dental practice. We get a lot of questions about insurance outsourcing.

Published:  Wed, 17 May 2017 01:00:00 GMT



NOLA woman accused of performing amateur dentistry, advertised on Instagram

We all know how expensive dental visits can be, with or without dental insurance. One woman in the New Orleans area allegedly went a step further and decided to go into the teeth business herself. Brittany Bridges, 29, was arrested and charged on May 12 ...

Published:  Mon, 22 May 2017 15:15:00 GMT



State Fair Community College Board of Trustees vote to increase tuition rates next year

In other actions the board voted to accept: " A proposal from Guardian Dental Insurance for Fiscal Year 2018 for dental insurance. The board-paid rate for each full-time employee will be $23.98 per month. The proposed family rate is $65.84 per month.

Published:  Tue, 23 May 2017 01:00:00 GMT



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