An Introduction To The Various Dental Insurance Plans
Shaving nicks and toothaches hurt more than they should
. While a nick will vanish in a couple of days, toothache will take your pocket for a spin before it goes away. Believe me, dental care is prohibitively expensive, but still a part of necessary health care and very important.
Let's look at the evolution of dental insurance. Although dental insurance is now considered a necessary employment benefit, it was not that long ago, that dental insurance was considered a luxury, only available through large companies. Dental insurance is now available from the majority of smaller size businesses, as it is used as a leveraging point to attract and keep employees. When calculating the cost of complete medical coverage, dental coverage accounts for under 10% of these costs, and the preventative measures that are provided, such as cleanings, reduce the amount of time that employees miss from work, enhance their productivity, and help to maintain the good health of employees.
Various dental insurance plans with numerous variations are available today. You should take proper care and time to consider all options.
Most expensive plans:
Direct reimbursement plans
Of all of the available dental plans, this type will cost the most. These plans utilize a pool of money that has been designated for this express purpose, by the company, and that is where the money for the employees' dental insurance comes from.
There are no complicated calculations necessary as deductibles, co-payments, etc., are not used, but instead a basic formula is used, making this plan the most straightforward and productive. It may be difficult for smaller businesses to make reimbursement dental coverage fit in their company budget, although the ADA is an avid proponent of this plan.
Least expensive plans:
Managed care plans
This type of plan works basically like your HMO of physicians, in that co pays are due at the time of service and a dentist must be selected from a list of offices that accept your insurance. This type of plan would be ideal for a smaller company as they make an effort to cut costs.
Depending upon what procedures need to be done in the office, the co pay amounts will vary. Annual checkups and cleanings are often covered at 100%, but any more advanced dental work will require a higher co pay.
The choice lies with the company and their financial managers, however great care is recommended in choosing the plan.
by: Robert Smith...
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