Many of us are asking if purchasing dental insurance makes sense to buy.
My recommendation is that if you have strong, healthy teeth, you do not need dental insurance, however dental insurance even in these cases will be helpful as people who carry dental insurance are using more regularly preventative services such as cleanings, annual x-rays, and checkups. Especially, if you have fillings, crowns, or periodentosis it makes sense to buy dental insurance. Your teeth will be kept in good condition by the routinely free preventative care, and if substantial work is required, you will only have to pay one-third of the usual dental fees. To get the best out of your dental insurance your dentist should be in your insurance company’s network.
Dental insurance often has annual coverage limits of $1,000 to $2,000 and recently carriers are offering even a $ 5,000 annual maximum. In contrast, medical insurance offers annual unlimited medical coverage. However, a lot of dental insurance plans offer free preventative care, allowing for routine examinations and cleanings of the teeth twice a year, which helps to keep your teeth healthy.
One year is typically required as a waiting period before major procedures like crowns, root canals, and implants. The waiting time is required because in the past many customers purchased insurance and canceled it as soon as their major dental work was completed, causing the insurance provider to suffer significant losses.
Dental plans start as low as $43 per month for PPO options still covering major services. Delta Dental has one of the largest dentist networks. If you choose one of their PPO plans, you’ll be able to visit any dentist you like, but in-network dentists agree to the negotiated rates and therefore your co-payments will be much lower with in-network dentists.
Humana is one of the top dental insurance in terms of size, offering both individual and group dental insurance plans. Humana just introduced an Extend plan geared to people over 60 years old and offers next to a solid dental plan with coverage up to $ 2500 and even $ 5000, plus a vision and hearing benefit. Both plans offer extensive preventive dental services but after one year even implant coverage and coverage for crowns and other services.
Blue Shield of California dental PPO plan offers oral cancer screening and most no-waiting-period diagnostic and preventive services, at no additional cost when using a dental network provider. If the member uses a non-network dentist, they are reimbursed up to an allowed amount for covered services, and they pay the remaining balance of the total billed charges.
Check to determine if your dentist is part of the insurance plan’s network before purchasing dental insurance.
There are low-cost HMO plans, we see that often dentist suggest much additional services which often are not always necessary, like deep cleaning etc. Dentists who are contracted with HMO dental insurance are pretty low paid by the insurance carriers and might therefore suggest additional services. Many dentists are not contracted with HMO networks on the Westside of Los Angeles.
Please contact us at Solid Health Insurance Services or email us at firstname.lastname@example.org with your preferred dentist and their zip code so that we can research which dental insurance plan works best for your individual needs. or get a free quote