Keeping your teeth and gums healthy is one way of protecting yourself from heart illnesses. Recent studies have shown that people with gum disease increased their chances of getting heart disease. Health experts explained that if you have poor dental health, you have a higher risk of getting a bacterial infection in your bloodstream through your teeth and gums.
It is essential to ensure that your teeth and gums are in good health. However, many people would complain that dental care is expensive. It is good to know that there is an insurance policy that covers most of your dental care needs.
What Is Dental Insurance?
Dental insurance can cover the costs of taking care of your teeth and gums for a brighter smile. It can provide financial coverage for dental issues such as preventive care for your teeth and gums. Some dental benefits can be shouldered by the policy in full but other benefits are partially covered.
The insurance policy can pay the expenses of having a root canal or tooth extraction. Although not all dental procedures can be covered by dental insurance such as cosmetic procedures and orthodonture. Thus, it is vital to understand the benefits covered by your plan. Here are three common coverages of dental insurance:
Preferred Provider Organizations
Under the Preferred Provider Organizations (PPOs) Dental Coverage, there is a network of dentists and dental care providers in your plan. You will be advised to visit a dentist who is part of your policy’s network. Your insurance provider and a group of dentists have a contract that sets the fees for dental services.
You can visit any dentist outside of the plan’s network. However, the cost might be higher than what your plan can cover.
In most insurers, your plan can cover 100% preventive care services such as routine exams, cleanings, or routine x-rays. Some plans will require you to shoulder a portion of the costs for services other than preventive.
Health Maintenance Organization
Like in PPOs coverage, there is also a network of dentists under the Health Maintenance Organization (HMOs) Dental Coverage. The main difference is you should get your dental service from a dentist within the plan’s network. If a dentist outside the network performed a service, it will not be covered by the policy.
In other words, you can only seek dental services from providers that are contracted by your dental insurance provider.
Under the Indemnity Dental Coverage, there is no network of dentists contracted by your insurer. You can visit any dentist without any referrals. It is often referred to as traditional dental insurance.
Your insurance provider will pay a percentage of the bill for your procedure or dental visit as stated in your plan. Then, you will shoulder the remaining amount for the dental service fee.
The policy provides more options and fewer requirements for policyholders. However, this dental plan is more expensive than other dental coverages.
Investing in your health is among the best investments you can ever do for yourself. Dental insurance is one of those investments that focus on keeping your teeth and gums healthy so you can maintain that sweet smile.
At American Independent Marketing LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (281) 543-2457. You can also request a free quote by CLICKING HERE.