You may think that your mouth is healthy and does not have any problem. However, the health of mouth cannot be seen visually. Sometimes, mouth that looks healthy suddenly gets toothache or other problems. That is why you have to care for your teeth as well as possible. One of the best ways is with dental insurance plans. By planning dental insurance, it means you want to keep and protect your mouth health.
Network Types of Dental Insurance
Talking about the plans of dental insurance cannot be separated from the network type. There are 2 types of dental insurance network available. The first is a more restrictive HMO network. In this insurance, you have to use a network dentist. The second is a less restrictive PPO network. In this dental insurance, you are allowed to use a non-network dentist. However, you have to pay more expensively. So, we recommend you to use a network dentist if you have this insurance. Another type is an indemnity plan. In this network, you can meet your desired dentist. However, you must pay upfront. After that, submit a claim & then wait for reimbursement.
The Cares of Dental Insurance
Talking about dental insurance, of course we want to know about what is covered related to the cares. Usually, the plan is 100-80-50 plan. It means dental insurance covers 100 percent of preventive cleaning & care, 80 percent of common procedures like cavity fillings and 50 percent of major works like extractions and bridges. So, if you have dental insurance plans, you will not be confused. You have had images about that.
The Cost Ranges of Dental Insurance
Talking about dental insurance cost, it depends on some factors. One of them relates to the coverage of the dental insurance. Besides that, it also relates to whether you buy individual dental insurance or family dental insurance. Individual dental insurance commonly cost from 19 dollars up to 32 dollars per month or 228 dollars up to 384 dollars per year. Family dental insurance commonly cost from 20 dollars up to 60 dollars per month each for each family member. So, you have to choose which is more appropriate for you. You also have to know the policies each of them.
Tips in Choosing Dental Insurance
To get the best dental insurance, you need some tips to consider. Firstly, you must focus on some features. The best dental insurance must feature preventive care such as fluoride treatments and routine cleanings. Besides that, it also should covers basic services like emergency treatment and major services such as retainers & root canals. Then, you also should prioritize one that does not require submit claim forms.
Besides the features, you also must consider your purpose whether it is for you individually or for the whole family members. Then, you also have to make sure that everything is easy to claim. Lastly, it should be adjusted to your budget. With good dental insurance plans, you can protect your mouth and teeth health well.