subject: About Dental Insurance [print this page] Is dental insurance necessary? This is a question that many people wonder when it comes to most any insurance type. On the whole, insurance is an asset that counterweighs a financial loss resulting from unforeseen situations, an accident or an incidental event. Bearing this in mind, insurance is always encouraged; however, if someone is young, healthy and has no need to go to a dentist more than two times annually, there won't be a need for dental insurance since its premium cost might actually end up being higher than the yearly visits.
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. 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, nutrition etc.
The programs of dental coverage available are Indemnity Plans, Preferred Provider Plans, HMO Plans and Discount Plans
About Dental Indemnity Insurance Plans
These are quite typical, habitual insurance coverage plans in which you receive a percentage of the dental bills paid for a monthly dividend or remuneration. In general, an indemnity plan offers 100% coverage on preventative service, 80% restoration service and covers half of the major treatment procedures.
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.
About 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.
by: Robert Smith...
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