Posted: January 29th, 2019
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Someone who wants to know whether purchasing dental insurance is worth it needs to know what kinds of insurance plans are available, how much plans costs, and if dental insurance is cost-effective.
Types of Dental Insurance Plans
There are three types of dental plans. An indemnity plan allows patients to choose any dental professional. Secondly, the preferred provider organization(PPO) also permits patients to select any dental provider, however, the patient’s cost is lower when they choose to receive care from the network of preferred providers. Finally, a health maintenance organization(HMO) limits patients to getting their care from the HMO’s network of providers. In the United States, PPO plans are the most popular.
What Dental Insurance Covers
Dental plans typically offer 100-80-50 coverage. These numbers mean:
- Preventative care such as two routine exams a year, x-rays, and routine cleanings has 100% coverage.
- Minor procedures, which include fillings, extractions, and periodontal care, have 80% coverage.
- Major procedures such as dentures, crowns, and bridges have 50% coverage.