It is recommended that people should see a dentist twice a year for checkups and cleanings. But without dental insurance, it costs too much for most people to keep up with that practice. No dental insurance means dental emergencies can be catastrophic for both the mouth and the wallet. Dental insurance is there to help offset some of the costs of seeing the dentist. Depending on the plan, dental insurance may pay for a portion or all of the costs of visiting the dentist. Understanding the importance of this insurance, as well as the two main types, will help when shopping for dental insurance.
One type of insurance is dental ppo
or Dental Preferred Provider Organization, offers dental care using a network of dentists that have contracted to work with the network. The dental ppo participating dentists accept pre-contracted fees in payment instead of the usual fee they charge. Members of this type of insurance get to go to whichever dentist they wish within the network. Some PPO's offer provisions for going out of the network for things like emergencies or in cases of a dental emergency happening while the member is out of town. These plans usually have a deductible and a co-pay that is based on a percentage of the bill.
A dental hmo or Dental Health Maintenance Organization provides dental care through a network of dentists just as a PPO but the member will have to choose a primary care dentist who will be the only dentist a member can go to unless they contact the HMO and change dentists. Most HMO's do not provide much in emergency services coverage for when the member is not available to see their primary care dentist. There is usually no deductible and the co-pay is a small set amount.
People without any dental insurance plan are less likely to take care of their teeth and have a healthy mouth. Having all or part of the dentist bill covered by insurance is an inducement to seeking out good dental care. Finding a dental insurance company can be confusing and daunting to find dental insurance. But knowing what the two main types are and dental insurance plans
how they work can take some of the confusion out of the process. United Concordia, a dental insurance company can walk a customer through the process and find the plan that fits both the needs of the customer, as well as their budget.