Does Your Dental Plan Insurance Provide Adequate Coverage?
Dental treatments and services can be quite expensive
, and dental plan insurance and dental discount cards rarely cover the expenses incurred. Depending on the plan you have, sometimes having it costs more than the savings it provides.
How do you determine if your current dental plan insurance is sufficient enough to cover your dental health needs?
Question #1 - Does your dental plan cover general dentistry?
Even though the majority of your dental visits will most likely be to a general dentist, it is not uncommon for dental insurance or dental discount cards to exclude coverage for these visits. These are important visits that prevent more costly care later on, so they are very essential to good oral health care.
These are the visits that cover cleaning, plaque removal, flossing, fillings, and extractions.
Question #2 - Does your dental plan cover orthodontic dentistry?
You have to be very careful when it comes to understanding how your dental plan or dental discount cards work. Many of them are tricky about the coverage they provide.
Some plans do cover orthodontic maintenance sessions. However, they also usually have a clause that excludes the cost of the initial orthodontic procedure, which is most always the one that is the most expensive.
Dental discount cards and dental insurance plans have strict guidelines, exclusions, and inclusions that must be adhered to before expenses are even considered for coverage. One primary concern dental plan insurance programs have is whether the corrective devices such as braces and retainers are necessary for your health and well being.
If the insurance provider determines the orthodontic procedure is more aesthetic than necessary, you can expect them to refuse to reimburse the expenses for the treatment.
Question #3 - Does your dental plan cover endodontic dentistry?
Since serious diseases of the teeth can cause even more serious health issues, these are generally covered by most dental plan insurance programs. This includes endodontic treatments that affect your teeth, including the tissue, blood vessels, and nerves.
In specialized areas of the profession, such as endodontic dentistry, procedures and treatments are most always more costly than general dental procedures. It is not uncommon for your insurance provider to decrease the benefits when you undergo these specialized procedures.
Question #4 - Does your dental plan cover periodontal procedures?
The condition of the bones that are the holding area for your teeth is essential to good dental health. Periodontal procedures are those that treat diseases that affect these bones and the surrounding gum area. Periodontics, similar to endodontics, is another specialized dentistry branch and the procedures are more expensive than those in general dentistry.
Question #5 - Does your dental plan provide coverage for oral surgery, pedodontics, and prosthodontics?
These procedures are not those you will encounter frequently, but they may become necessary for some people and therefore should be addressed in your dental plan. When wisdom teeth become a problem or reconstructive surgery is required for jaw disorders or implants, you will need this coverage.
Pedodontic dentistry, which deals with children's teeth, is similar to pediatric dentistry. Prosthodontics is an area of dentistry that involves implants and restorative appliances and devices.
A Complete Dental Care Package
Have you considered a healthcare savings plan instead of your dental plan insurance? If not, you should do a comparison.
Individuals and their families can benefit from a healthcare savings plan that provides not only dental discount benefits, but many other health care cost discounts, also.
A quality healthcare network is out there to provide individuals with the necessary coverage and care they need, taking care of the costs that dental plan insurance won't cover.
by: Cameron Jones
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