Overview of Dental Insurance:
Just like having healthcare coverage, dental insurance will help you cover a large majority of your dental bills according to the insurance that the person has purchased. When your employer offers dental insurance, you will likely get a few plans to pick from, and you can choose one that best meets your needs. Most of these will probably fall into either the HMO, PPO, or Indemnity plans. Certain employers may offer one type of dental insurance and not another depending on what the company selects for their healthcare plans for their employees.
Understanding the Types of Dental Insurance Available:
You will likely have several different types of dental insurance available to you when you select your dental insurance plan. The following are the different types of dental plans and what you can expect from each one:
- HMO Dental Plans: HMO Plans will require you to pick a dentist within your specific "network" of healthcare providers. These plans can work well if you have a dentist in your area that meets your needs. Otherwise, this can pose some problems. If your local options for dentists prove to be very limited, you may want to consider other plans that have more flexibility with which dentists you see. Otherwise, if you see dentists this plan doesn't cover, you are going to be covering the cost of the treatment (which is generally not cheap).
- PPO Dental Plans: PPO Dental Plans allow you to see all dentists within your healthcare plan's network. However, they will also pay some of the costs of your dental care if you see dentists that fall outside of your network's plan. These plans give you more flexibility in which dentists you choose to see and allows you to get still some costs paid for either way. Outside of your network, however, there are deductibles involved and a maximum benefit you can use.
- Indemnity Dental Plans: Indemnity Dental Plans can get used no matter what dentist you want to see, no matter which network in which they participate. However, these plans only pay for a certain percentage of the cost, and you will be responsible for the rest. These dentists can also set prices as they wish as they are not part of a network regulating their prices.
These are the 3 common types of dental insurance plans available on the market today.
What Does Dental Insurance Cover? What Isn't Covered?
Dental Insurances generally cover a specified percentage of your dental bill expenses for procedures that you need (those that are not cosmetic or optional). Most plans will require you to have a deductible or may pay a predetermined percentage of your expenses such as 80% of your expenses (and you must be the rest).
Most dental insurance plans will cover necessary care such as your regular cleanings or will help you cover a required tooth extraction or other like treatment.
Few insurance plans will pay for "cosmetic" procedures such as white fillings (versus the typical silver ones), veneers, bonding (to close gaps in teeth), or bleach whitening that you may wish to get. Cosmetic procedures are generally going to be something you will be required to cover.
How Do I Choose the Right Plan for Me?
Choosing the right type of plan will depend on the dentist you see and the types of treatment you need. There is no one "right" dental plan for everyone's needs. The following are things that you will want to consider when you are choosing a dental plan that meets your specific needs:
- Where you live
- How extensive your dental need is now and what you will need in the future
- How many dentists got located in your immediate area
- What dental networks are popular in the area
- If you can find a qualified dentist that meets your needs in your immediate area
- If you will need to switch dentists frequently to meet changing oral health needs
- The number of deductibles you are willing/can afford to pay
When you consider these factors, you can help determine which dental plans are right for you.
What If I Don't Have Dental Insurance?
Most dentists will be happy to help you set up a low-to-no-interest payment plan that will allow you to pay weekly or monthly for the treatment you need. These programs can be called anything from a "Lending Program" to a "Dental Financing Plan." However you cut it, you want to look for a dentist that offers such options including the following:
- Plans with low-fixed interest or no interest rates
- Low up-front payments required (much as you can afford to pay)
- Plans that allow you to pay EARLY with no financial penalties attached
- Plans that require weekly/monthly payments (whatever fits your needs)
These characteristics provide you with a way to get help paying for your dental treatment long-term even if you don't have insurance at the time when you need care.
Rush-Creek Dental's Payment Options:
At Rush Creek Dental, we are proud to offer patients without dental insurance some assistance through our "Care Credit" program that allows you to pay off your dental expenses as you can afford to do so. There are even no-interest plans available based on your eligibility. Please feel free to contact us for further assistance at 817-962-2323 to schedule an appointment today and allow us to meet all of your dental needs.