Tips & Advice
How is a discount dental plan different than dental insurance?
A dental discount plan has a much smaller monthly fee than dental insurance and offers a percentage discount on fees charged by dentists who participate in the plan. A member of the plan shows a membership card to the dentist to receive the discount and pays the dentist directly.
What factors should be considered when selecting a dental plan?
When selecting a dental plan, consider:
- Group dental insurance through an employer or other large group will have the best rates.
- Whether the “in-network” list of dentists in your area includes your dentist
- Monthly premiums, payment caps, limits and deductibles
- Benefits – What’s included? Are orthodontia, implants or other services excluded?
- Would a dental discount plan be more cost effective?
Do all dentists accept dental insurance?
Although most dentists accept one or more type of insurance, others have stopped accepting insurance as they grow increasingly unhappy with insurance company dictates and requirements.
What is a dental savings plan?
A dental savings plan is also known as a dental discount plan. Membership in the plan allows for discounted services at a list of approved dentists. It is not dental insurance, but a discount program.
How much does dental insurance usually cost?
Monthly dental insurance premiums are typically $20-$50 for an individual and $50-$150 for a family, but vary depending upon location and scope of coverage. Employer-sponsored plans will be less expensive than buying a plan through the independent insurance marketplace.
Are braces covered by dental insurance?
Dental insurance often (though not always) covers orthodontia for children, but it is more rare to find insurance that covers orthodontia for adults. Insurers place strict limits on orthodontic coverage, as for any other dental service.
Is dental insurance required by law?
No. The Affordable Care Act specifies that dental insurance for minor children must be available to purchase in the ACA Marketplace. Federal law does not require parents to purchase it, but some states do.
What is a prepaid dental insurance plan?
A prepaid dental insurance plan, typically referred to as a Dental Health Maintenance Organization (DHMO), requires members to choose one dentist or dental office on an approved list. All dental services need to be performed by that dentist or facility in order to be covered, though you can change your choice of dentist by contacting the DHMO.
What is covered by dental insurance?
Dental insurance typically covers treatments like regular checkups, cleanings, fillings, root canals, and crowns. The percentage of costs the dental insurer covers depends on the specific insurance plan, deductible, copayment, and treatments received.
What is dental insurance?
Similar to medical insurance, dental insurance requires paying premiums to a company in exchange for covering part of the costs associated with dental care.