Choosing the best dental insurance plan can be a time-consuming task. You have to think of prices, fees, coverage, customer service, claims and the possibility of choosing your own provider. With all these things in mind, your choice should always be well thought-out. Try to put your particular needs and wants first when choosing the best dental insurance plan.
SO, HOW DO YOU CHOOSE THE BEST INSURANCE PLAN?
First, consider your situation: Are you looking for an individual plan or do you want a family plan? Are you going to buy a plan independently, or is it a job-based insurance plan? How affordable is the plan you’re choosing? Are you planning to take dental insurance only, or are you looking for a full health insurance plan? Weighing all these aspects becomes essential before you decide on the best insurance plan for you.
HMO PLANS vs. PPO PLANS
There are different dental insurance types, and there are different insurance companies that work well and help people finance their oral health. Blue Cross Blue Shield, United Healthcare, Aetna, Delta Dental, Humana, Guardian, Cigna, Metlife, AARP, are some of the preferred insurance companies today. Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans are typically offered to help you manage the cost of your oral care.
The basic difference between PPOs and HMOs is simple:
- With an HMO plan, you have a network of contracted practitioners with established prices and services at relatively low costs. Using this list of providers allows you to pay less out-of-pocket money for your dental care. But If you’re thinking of getting an HMO plan, take into account that you won’t be able to choose out-of-network dentists.
- A PPO plan allows you to get dental care with both in-network and out-of-network providers. Choosing in-network providers will help you to save money in the short term, but choosing out-of-network will enable you to find the dentist you think is best for you.
IN-NETWORK PROVIDERS VS. OUT-OF-NETWORK PROVIDERS
In-network providers are practitioners that have signed a contract with an insurance company to offer dental services at some fixed rates. This means, your company pays for all (or most) of the services you get. This way you don’t have to spend out-of-pocket money. This is, in fact, the main benefit of choosing an in-network provider. However, choices are very limited. You will only be able to choose from the list of providers that are contracted within your insurance company.
When you choose a dentist that works out-of-network, you are free to decide the dental provider you think is best for you. However, this also means that costs can be higher and you will have to pay for your treatments at the time of service. At an out-of-network dental office (aka fee-for-service office) you will typically pay upfront and get reimbursed after each treatment.
The percentage of this reimbursement will depend a lot on the type of plan you have. Benefits also vary according to the policies your company establishes, and the kind of dental treatment you get. Out-of-network’s best advantage is flexibility. Basically, you are free to choose whoever you think is best to take care of your oral health.
INSURANCE PLANS COVERAGE
There are many insurance companies that work well. They offer flexible plans with financial strength. Plans differ in the services they render and the benefits the client gets. Remember: you should choose the plan that best suits your particular needs, considering individual or family plans, independent or job-based plans, etc. Most insurance companies cover dental preventative care. This includes:
- dental cleanings
- X- rays
- fillings and sealants.
For more complex treatments such as implants, crowns, bridges, you can get some coverage too. These plans also provide preventative care, office visits, and other types of essential oral health services.
WHAT ARE SOME OF THE BEST DENTAL INSURANCE PLANS?
As mentioned before, some of the most popular dental plans today include Blue Cross Blue Shield, United Healthcare, Aetna, Delta Dental, Humana, Guardian, Cigna, Metlife, among others. These companies provide the best dental insurance plans and they are also known for providing health plans to employees across the whole country. These insurance providers offer a wide range of plans and wellness programs. They offer great insurance coverage, have an excellent reputation, financial strength and plan flexibility.
Many of these plans offer online health care as well. Online services allow you to ask for prescriptions, take wellness programs, place claims and set appointments in the comfort of your home. Many plans even offer home delivery pharmacy.
THE IMPORTANCE OF GETTING A DENTAL INSURANCE PLAN
Because keeping good oral health is essential to your whole body health, having a reliable dental insurance plan becomes quite important. You want to keep your oral health and hygiene up to date.
You also want to make sure you get regular check-ups and cleanings to keep your mouth healthy. Having a good insurance plan will guarantee you get the oral care you really need.
However, most insurance plans have a limit of $1500-2000 per year. So if you need to get some major dental work, you will get some limited coverage from the total cost of the treatment.
So when choosing the best insurance plan for you, remember to weigh in important aspects such as benefits, coverage and the possibility of choosing your own provider. You should always keep your oral health in good hands.
If you want to learn more about dental insurance plans, feel free to email or call Rohrer Dental Wellness Center at
Phone: (561) 279-6999