Need to Know Information About Dental Insurance

August 8, 2012

Insurance

Information About Dental Insurance

Information About Dental Insurance

Before you go and sign up for the first dental insurance policy you find to be a great deal, you need to have the facts on what different types of policies offer. Here we will cover some of the main topics on what you should be looking for when shopping for dental insurance.

Types of Coverage

There are three primary types of coverage when it comes to dental insurance. They type of procedure will determine what area it will fall in.

Preventive

Preventive procedures is considered to be any type of dental work that is to prevent oral health issues such gingivitis or tooth decay. This can include work such as routine cleaning, examinations that are for preventive care, fluoride, X-rays, or sealants. However, the latter three can be considered Basic coverage; that will be determined by your insurance carrier.

Basic / Restorative

Fillings, extractions, and root canals fall under this category. However, your insurance carrier will determine if root canals are Basic or if they are Major. This decision is based on their insurance policy.

Major

Major usually covers procedures such as dentures, partials, dental implants, extractions, and possibly root canals. Once again, this is determined by your insurance carrier’s policy.

Annual Maximum

Dental insurance plans have a maximum amount that they will cover in a year’s time; this is referred to as the annual or yearly maximum. Each year, the maximum will refresh itself to whatever the maximum is, however, the unused amount from the previous year, will not roll over to the next year. Example: your maximum for the year is $500; you use $250 for a dental exam. At the beginning of the next year, your maximum goes back to $500. The average annual maximum for most dental insurance companies is about $1,000.

Usual Customary and Reasonable (UCR)

Insurance companies set their own price that they will allow for procedures that they cover. They do not base this off of what the dentist will actually charge, but is based on what the insurance provider will actually cover. This is called the Usual, Customary, and Reasonable fee and providers will usually give you a guide when you sign a policy with them that will explain how much they will cover for each procedure. However, if you are going to a contracted dentist, a dentist that has an agreement with the insurance company, you should not be charged the difference

Network Dentist

One of the first things you should check when looking for a dental plan, is if you have to go to dentist that is contracted with the insurance company, or a In-Network Dentist. If this is the case, ensure you obtain a list of the dentist within the company’s network. You may be able to see a dentist that is out of the insurance company’s network but be prepared to pay more out of pocket. Some providers will allow you to go to a dentist that is not in their network, but the amount they cover will be reduced.

We have covered some of the basic key points that you should ask the insurance companies when you start your search. Ensure you take your time and read the policies carefully before you commit to anything.

Author’s bio – Lisa Collins a well known writer has been writing numerous articles on health insurance. for more information on different health insurances visit the website Dentalinsurance.net .a

Need to Know Information About Dental Insurance

 


This site is for information and support only and NOT a substitute for professional diagnosis and treatment!
Dental Insurance

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