Since healthy teeth and gums are critical to good health care, you would think that dental care would be a part of medical health insurance. Unfortunately, dental care falls under a different category. Individuals must purchase dental insurance in addition to medical insurance in order to have full and complete coverage. As if medical health insurance isn’t confusing enough, it can also be bewildering to try to choose the appropriate dental health plan.
10. Dental Insurance
When choosing dental coverage either from your employer or on your own, it is critical to understand the difference between dental insurance and dental benefits. Dental insurance refers to an insurance plan for which you pay premiums, and your dental insurance company will then pay for dental procedures as they arise. Meanwhile, the term dental benefits refers to procedures which may be covered in full or in part by your particular dental insurance plan. Most dental insurance plans cover preventive care, such as twice-yearly teeth cleanings and exams. Regular exams catch conditions such as gum disease and cavities before they cause health issues.
9. Dental Preferred Provider Organization (DPPO)
One form of dental insurance involves coverage through a dental PPO. When you choose a PPO for your dental care, you pay premiums which allow you to select a dental provider within the PPO network. Members are generally allowed to use providers outside of the network if they are willing to pay higher rates. This allows for greater flexibility when seeking dental treatment. Dental PPOs may offer greater flexibility when it comes to dental providers. However, one drawback to this option is that it tends to be more expensive than other types of insurance.