Dental Insurance – Here's What You Must Know About It

by Lee Pham


The field of dental insurance is growing bigger and more competitive with each passing day. Before going into the rates and limitations of these insurance plans, let us take a look into some basic aspects of dental coverage that you must be aware of.

Why Do I Need It?

At some point of life, all of us will have to undergo tooth extracts, teeth fillings, teeth whitening, or root canals. While some dental check ups are annual, other may be monthly or quarterly. You can not afford to ignore such check ups even with the escalating costs of dental care. Dental insurance offers a perfect solution in this situation by covering the costs of dental treatments.

How Do I Find The Right Insurance?

Ideally, your insurance must offer all the benefits you need and must be reasonably priced too. The best and fastest way to get the information you need is to go online and request dental insurance quotes from different companies. This method will help you get the rates offered by various companies without any kind of fee. As a result, you can apply for multiple dental coverage quotes. From the information you get, look for the lowest quote that offers you the benefits you require.

Comprehensive And Maintenance Plans – What Is The Difference?

Your dental insurance will absolutely depend on your specific dental requirements. So it is imperative to understand your needs first. For instance, if you have serious dental issues and need to consult the dentist very often, a comprehensive dental plan would be the right option for you. Although such plans incur higher premium rates, they will completely cover the costs of all your dental treatments.

On the other hand, when you do not have to visit the dentist other than for your annual check up, all you need is the maintenance dental plan. Compared to the comprehensive plan, this affordable dental insurance has lower premium rates.

What Are My Options?

There are different types of plans offered by the Washington State Dental Insurance. The major ones are:

* Indemnity plan: This insurance plan sets a yearly limit on the amount covered for dental treatments or procedures. However, this plan allows you to choose your dentist.

* Self-insurance plan: This dental insurance plan is almost similar to the indemnity plan. But it does not allow you to choose a dentist.

* Preferred provide organization: This plan limits your dental treatments to a few dentists who will provide dental treatments at lower rates.

* Closed panel plan: This dental insurance plan limits the facilities and the dentist available for dental services.

* Service plan: Certain dentists are members of non-profit organizations that provide dental services at fixed rates. Service plans allow you to consult only such dentists.

* Direct reimbursements plan: This plan has been designed for use in companies. With this plan, an employer will be able to directly compensate his employees for any dental treatments that the employees have undergone.

Remember, there are lots of dental insurance plans out there offering you the perfect combination of benefits and low premium rates. Take time to compare plans so that you do not have to sacrifice benefits for affordable rates.


Source by Wilhelmina Huang Thomas

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