How Dental Insurance Works
Updated: Oct 3
Dental insurance is a type of insurance that covers the cost of dental treatments and procedures. It is important to understand how dental insurance works to make the most of your coverage and ensure that you are getting the best care possible. In this blog post, we will discuss how dental insurance works.
What is Dental Insurance?
Dental insurance is a type of health insurance that covers the cost of dental treatments and procedures. It can be purchased by individuals or provided by employers as part of a benefits package. Dental insurance typically covers routine dental exams, cleanings, and some basic procedures, such as fillings and extractions.
How Does Dental Insurance Work?
Dental insurance works similarly to other types of insurance. You pay a monthly premium, and in exchange, the insurance company provides coverage for certain dental treatments and procedures. Most dental insurance plans have a deductible, which is the amount that you must pay out of pocket before your insurance coverage kicks in.
Once you have met your deductible, your dental insurance will cover a percentage of the cost of covered treatments and procedures, usually between 50% and 100%. Some dental insurance plans have an annual maximum, which is the maximum amount that the insurance company will pay for dental treatments and procedures in a given year.
Types of Dental Insurance Plans
There are several types of dental insurance plans, including:
Indemnity Plans - These plans allow you to choose any dentist you want and provide coverage for a percentage of the cost of covered treatments and procedures.
Preferred Provider Organization (PPO) Plans - These plans require you to choose a dentist from a network of approved providers. If you go to an out-of-network provider, you may have to pay more out of pocket. We are a provider for more than 45 insurance providers. Call us today at 925-825-1081 for more information.
Health Maintenance Organization (HMO) Plans - These plans require you to choose a primary care dentist from a network of approved providers. If you need to see a specialist, you must get a referral from your primary care dentist. At Healing Hands Dental we are not in network with any HMO plans. Call your insurance provider for a list of in-network facilities.
Discount Dental Plans - These plans provide discounts on dental treatments and procedures, but you must pay for the services out of pocket.
Choosing a Dental Insurance Plan
When choosing a dental insurance plan, it is important to consider the following factors:
Coverage - Make sure that the plan covers the dental treatments and procedures that you need.
Cost - Consider the monthly premium, deductible, and copayments when choosing a plan.
Network - If you have a preferred dentist, make sure that they are in the plan's network.
Annual Maximum - Consider the annual maximum to ensure that the plan provides enough coverage for your needs.
In conclusion, dental insurance is a type of health insurance that covers the cost of dental treatments and procedures. It works similarly to other types of insurance, with a monthly premium, deductible, and copayments. When choosing a dental insurance plan, it is important to consider coverage, cost, network, and annual maximum to ensure that you are getting the best coverage for your needs.
AT HEALING HANDS DENTAL WE ACCEPT INDEMNITY PLANS AND PPO PLANS. Call us to schedule an appointment today at 925-825-1081.