Dental Insurance

What is Dental Insurance?

Dental insurance is a type of insurance designed to cover the costs of preventive, as well as restorative and cosmetic dental care. Dental Insurance plans work by paying a portion of the cost of your dental visit, or by reimbursing you for the cost of your dental procedures, depending on your plan and provider. Having dental insurance can help you save money on the services you need, while also allowing you to maintain good oral health and avoid costly dental procedures down the line.

What Types of Dental Insurance are there?

There are two main types of dental insurance: indemnity plans and managed care plans. With indemnity plans, you have more control over the providers you see, while managed care plans are more restrictive. Indemnity plans usually come with higher premiums but offer more flexibility and a choice of dental providers. Managed care plans often have lower premiums but require you to see providers within a specific network. Within these two main categories, there are several different types of plans available. Some common types of dental insurance plans include:

• Dental PPO Plans: These plans allow you to see a wider range of in-network providers, and often provide some coverage for out-of-network services. However, you typically pay more for out-of-network care, and there may be an annual deductible to meet.
• Dental HMO Plans: These plans require you to choose a primary care dentist who will oversee your dental care. You will usually need a referral from your primary dentist to see a specialist, and there may be limitations to the procedures covered or the providers available.
• Dental Savings Plans: These plans are not technically insurance, but rather a discount program that provides reduced fees for dental services from participating providers. You pay an annual fee to be part of the plan, and then receive a discount on each dental visit or procedure.

Can I Change My Dental Plan at Any Time?

In general, you can switch dental plans during open enrollment, which typically occurs once a year. However, there may be certain circumstances that allow you to change your plan at other times as well, such as if you experience a qualifying life event (such as getting married or having a child). Be sure to check with your specific insurance provider to see what their policies are regarding changing plans, and what documentation may be required.

What is the Average Cost of Dental Insurance?

The cost of dental insurance varies depending on a number of factors, including where you live, the type of plan you choose, and your level of coverage. However, it is typically more affordable than health insurance, with an average monthly premium of $20-50 for an individual plan. It's important to note that dental insurance plans often come with out-of-pocket costs such as deductibles, copays, and coinsurance, so be sure to factor those into your budget when deciding on a plan.