Dental insurance plans are intended to reduce the cost of dental care. Dental insurance can help you pay for most types of dental care and be a financial safety net if you have large dentist bills.
One-third of Americans have not seen a dentist in the past year, according to the Centers for Disease Control and Prevention’s National Health Interview Survey. Most often, the reason is money. About 40% of adults who haven’t seen a dentist in the past year say they don’t go due to cost, according to the American Dental Association.
No matter the reason, before it comes time to get care, there are several options to choose from to help pay. Which one is right for you depends on how the numbers crunch out.
Your dental health has a big impact on your overall health. Taking good care of your mouth can help prevent a variety of diseases and conditions. That’s why it’s important to brush and floss regularly and to see a dentist twice a year.
Medical Mutual Dental Plans
Medical Mutual offers a variety of quality dental insurance options to help meet your dental health needs. With more than 2,300 dentists in the Super Dental network, you’ll get the care you deserve with a dentist you trust.
– No need to select a primary dentist
– You and your family members can select different dentists
– No need for referrals for specialty care
Is Dental Insurance Worth It?
It depends on your dental care needs, and how you pay for dental insurance.
If your employer provides dental insurance for free, great!
If you need to buy your own dental insurance, and your oral health is excellent, dental insurance is a great choice. Your essential preventive care is covered at 100%, and if you need a couple of fillings, or chip a tooth, you’re also covered. And remember, regular preventive care is the most effective and affordable way to maintain your oral – and overall – health.
If you have dental health issues that need immediate treatment or will cost more than $1,000 to address, you may want to consider a dental savings plan. Dental savings plans are an alternative to dental insurance and have no waiting periods and no annual maximum spending limits.
Types of coverage
Indemnity Dental Insurance Plan
With indemnity dental plans, the insurance company generally pays the dentist a percentage of the cost of services. Restrictions may include the co-payment requirements, waiting period, stated deductible, annual limitations, graduated percentage scales based on the type of procedure, and the length of time that the policy has been owned.
Participating Provider Network (PPO)
In the United States, Participating Provider Network or PPO, also referred to as Preferred Provider Organization, is an organization governed by medical doctors, hospitals, other health centers, and medical care providers. This organization has an agreement with an insurer or the third party administrator to provide health insurance to the people associated with their client at reduced or low rates. Participating Provider Network plan may work similar to a DHMO while using an In-Network facility. However, a PPO allows Out-of-Network or Non-Participating Providers to be used for service. Any difference of fees will become the financial responsibility of the patient, unless otherwise specified.
Dental Health Maintenance Organization (DHMO)
Dental Health Maintenance Organization plans entail dentists contracting with a dental insurance company that dentists agree to accept an insurance fee schedule and give their customers a reduced cost for services as an In-Network Provider. Many DHMO insurance plans have little or no waiting periods and no annual maximum benefit limitations, while covering major dental work near the start of the policy period. This plan is sometimes purchased to help defray the high cost of the dental procedures. Some dental insurance plans offer free semi-annual preventive treatment. Fillings, crowns, implants, and dentures may have various limitations.