Dental insurance is not only so expensive that a lot of businesses are cutting dental insurance from their benefit package, but dental insurance is also complicated - Who controls the care? Does the plan pay for preventative dental care?
Some Simple Things To Consider When Choosing Dental Plans:
Who controls treatment decisions - you and your dentist or the dental plans?
Many plans require dentists to follow treatment plans that rely on a Least Expensive Alternative Treatment (LEAT) approach. If there are multiple treatment options for a specific condition, the plan will pay for the least expensive treatment option. If you choose a treatment option that may better suit your needs and your long-term dental health, you will be responsible for paying the difference in costs.
Do the dental plans cover diagnostic and preventive dental services?
Most dental plans provide coverage for selected diagnostic and preventive services, but the extent or frequency of these services may be limited.
What routine corrective treatment is covered by the dental plans? What is your out-of-pocket cost?
Preventive treatment, of course, lessens the risk of serious dental disease, however, additional treatment may be necessary to ensure optimal dental health. A broad range of treatment can be defined as routine. Most dental insurance plans cover 70% - 80% of such treatment. You are responsible for the remaining costs.
What major dental care is covered by the dental plans? What percentage of these costs will you be required to pay?
Dental insurance plans encourage you to get preventive care, which often eliminates the need for major dental work. Most dental insurance plans are not very generous when it comes to paying for major dental work. In fact, most insurance plans cover less than 50% of the cost of major treatment and most limit the benefits - both in number of procedures and dollar amount - that are covered in a given year. Be aware of these restrictions when choosing your dental plan.
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Insurance Maze Articles of Interest
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Discont Health Plans Under $60
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November 7, 2007
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