Dental Insurance-Does it Help?
I was in a restaurant the other day and someone was in the next booth talking about dental costs being so high and how it was so hard to find a good dentist. Soon the booth on the other side of them, a gentleman and lady, started to join in the conversation and then the waitress also joined the conversation. Why do I bring this up? Well this isn’t the first time this has happened to me. It has occurred several times and why, because when someone hears the word, dentist or dental insurance, people listen. It’s what we call a, hot button word, in the industry; people want to hear more information about Dental insurance.
Many of us go to the dentist regularly for cleanings and x-rays, usually twice a year. If you’re lucky, ”which I’m not”, you have no cavities and you come back for your next cleaning in 6 months. If you’re like me, this is when you really need a dental plan to help you with the many costs for each dental procedure I need. Kidding aside, brushing your teeth well two to three times a day can make that dental visit that much more pleasant? As I have gotten older I take the time to brush much better than I did when I was younger and my visits to the dentist have required less dental work.
So, what is this dental insurance that is out there? Can it help me with the costs of dental care? There are many different types of dental insurance/coverage available. Too many perhaps because what plan is going to work for you? There are HMO’s, PPO’s and Indemnity plans.
With Indemnity plans you pay a monthly fee for the plan and when you use the plan based on the type of procedure the plan pays you an amount of money. Doesn’t matter if the dentist charges you more or less you get a set dollar amount. This plan allows you to go to any dentist but you are more than likely paying more for dental procedures.
HMO dental plans, you have to use a network dentist and usually you pick one that is your primary dentist. You usually get basic cleanings for zero co-pay or low co-pay and pay a percentage for more detailed dental procedures like fillings, root canals or crowns. One of the lower cost plans we have to offer starts at $12/month premium.
PPO dental plans again usually have more dentist choices but usually have a higher monthly cost. Most PPO dental plans cover most dental procedures but at lower percentages in the first year. The Coverage increases up through the second and third year then remain constant thereafter as long as the plan stays in effect. Some of the plans we offer as PPO’s range from $35-$45/month.
Let us know at Accent if a Dental plan is something you’re looking for. Call us at 352-666-7373.