TopConsumerReviews.com
      June 20, 2018

Home  >  Dental Insurance  >  Articles

Best

Dental Insurance

  1. Dental Insurance
  2. eHealth Insurance

Your Information Is Secure
Your Guide to Good Health Insurance Newsletter

Latest Reviews

Business Cards

Company Incorporation

Fitness Clothing

Golf Clubs

Green Cards

Home Warranties

Medical Alert Systems

Personal Checks

Refrigerators

VPN Services

 

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.

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.

Delta Dental, dentists find common ground on payment rates

Dentists feared that Delta Dental would aggressively sell the lower-cost plan, called Total Choice PPO, and phase out the Premier insurance plan, which they favored. But last week Delta Dental proposed changes to the Premier plan that company officials ...

Published:  Sun, 17 Jun 2018 14:12:00 GMT



New CE courses focus on handpiece sterilization, insurance

Anderson offers a strategy for responding to your patients' insurance concerns successfully. The course also helps your practice develop a strategy for successfully navigating today's changing dental insurance landscape.

Published:  Mon, 18 Jun 2018 00:12:00 GMT



Real Estate Notebook: Delta Dental expands; Asana likes Atlanta's gritty character

Rapidly growing Delta Dental Insurance Co. is expanding again. Ten months after confirming 200 more jobs for its regional office in Roswell, the country's largest dental insurance provider is adding enough space for another 200 to 300 positions.

Published:  Fri, 15 Jun 2018 07:30:00 GMT



Free dental clinic draws crowd in Northwest Arkansas

Quinn said she has been in severe pain originating in two of her molars for more than a year, but her insurance doesn't cover dental care. She moved to Fayetteville recently from Texas, decided to search "free dental clinic" online and was excited to find ...

Published:  Mon, 18 Jun 2018 04:59:00 GMT



Dental Bridge

Many dental insurance plans cover bridges, and many now cover implants as well. A dental bridge may need to be replaced every 5 to 15 years, depending on proper care, while implants are considered a permanent solution. There are factors that can reduce the ...

Published:  Wed, 13 Jun 2018 16:59:00 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