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What you need to know about Dental Insurance

  Dental procedures can be very expensive, especially if you don’t have dental benefits. However, having a dental insurance doesn’t automatically make a dental care cheaper. Here are a few things that you need to know about dental insurance: 

  1. Your medical benefits may not include dental insurance.

Some medical benefits cover dental insurance but for many, dental insurance is taken separately.  Dental insurance covers preventive treatment by 100%. These procedures include X-rays, check-ups, and cleanings.  

  1. Orthodontic services are often not covered. 

This includes braces, dentures, and implants. Though The Affordable Care Act cited that children up to 19 years old will be covered by dental insurance, their braces will only be covered if they have a severe case of misaligned teeth. 

  1. Choose between PPO and HMO.

PPO gives you access to more dentists while HMO covers more dental care procedures to be administered only by dentists participating with the insurer’s network. HMO is less costly than PPO. Office visit ranges from $5-$10 only and there is no annual maximum on coverage. 

  1. Discount plans.

Discount plans are extremely helpful as they can lower the cost of dental care from 10% up to 60%. But this is not part of your insurance plan; therefore, this is not regulated by the department of insurance. You can use the discount plans in participating dental clinics only.  

  1. Compare prices

There are many dental insurance providers in the market. Get a quote about their pre-treatment estimate then compare their prices.  

To check which dental insurance provider gives a fair price on the cost of the procedure, you can go to www.fairhealthconsumer.org and enter your zip code. You can also check on this website if the prices of the dental discount plans are truly discounted.Comparing prices is your way to make sure that you are getting your money’s worth.  

  1. Dental Schools

Most dental schools are giving services at a very low cost, or sometimes, free of charge. This is because the people who do the dental work are actually practicing students who are working under the guidance of a registered dentist. However, they don’t offer a complete line of dental services yet as some procedures require a specialist and anaesthesiologist.  If you are searching for dental schools near you, go to www.ada.org, the official website of the American Dental Association.