Should you buy dental insurance?
Dr. Sam Muslin | November 12, 2009Does you need dental insurance? This question is often asked in reference to any kind of insurance. Insurance is a tool that offsets financial losses due to accidents or unforeseen circumstances.
People with a turbulent dental history are advised to purchase dental insurance or join a discounted dental plan for the simple reason that dental bills can turn out to be very steep otherwise. Millions of Americans are undergoing root canal and cavity procedures despite the fluoride in drinking water.
Dental health in the USA has not been of very high standard over the decades. Dental health depends upon a variety of factors including dental hygiene, stress, personal eating habits, and nutrition.
The programs of dental coverage available are Indemnity Plans, Preferred Provider Plans, HMO Plans and Discount Plans:
Dental Indemnity Insurance Plans
These are normal, traditional insurance coverage plans where you get a percentage of your dental bills covered for a monthly fee or premium. Normally a indemnity plan covers 100% of preventive services, 80% of restoration services and 50% of major treatment like orthodontics.
Dental Preferred Provider Plans
These plans cost an average of $40 per month and give you highly discounted rates of dental procedures within the specified network. A few benefits are available outside the network also. These plans are regulated by state insurance departments and fall in the insurance category.
HMO Dental Insurance
These insurance plans are also known as capitation plans. They operate like Health Maintenance Organizations (HMO). These are also regulated by state insurance department and cost between $20-$40 a month.
Dental Discount Plans
Discount dental plans are like clubs where you get the best deals when you show your membership card. These are again network based. They give best value to individual and family memberships. This membership is only purchasing a discounted access to a network dentist and is not considered insurance.
Sam Muslin, DDS was Voted The Best Cosmetic Dentistry Los Angeles by “LA’s Best”! He Specializes in Bite Reconstruction, Custom Veneers & Dental Implants. If You’re Looking for a Cosmetic Dentistry Los Angeles or Los Angeles Cosmetic Dentist, He’s the Best!
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