Dental Insurance

1. Dental Insurance Plans – Who Pays The Dentist?
2. What percentage of your dental bills does your dental insurance company pay ?
3. Is your dental plan an indemnity a capitation or a direct reimbursement plan?

What do they mean in simple plain English. Let’s find out…

Dental plans are of three types based on the compensation and treatment provided.

Indemnity Dental Plans. In this type of California dental plan the dentist is paid fee for
service. The dental plan provider, pays -% of the dentist’s fee and remaining is paid by you.
The dental insurance company will only pay after you have started paying the premiums, and the
range of services can also be restricted.

Capitation Plans The patient gets comprehensive coverage under this type of the California dental insurance. A good example is a DHMO. The dentists are paid on per patient basis every month. Some amount will have to be paid by you, the patient for each visit you make to the dental care provider.

Direct Reimbursement Plans Under this type of California dental insurance, the patient’s employer reimburses a percentage of the employee for his/family’s dental treatment costs from its own funds. The employee usually has a choice of dentist and type of treatment to be provided to him/family.

Choose a Dental plan that’s right for your needs.

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Who chooses your dentist?

Do you get to choose your dentist under your dental plan?

Or are you constrained to go a dentist chosen by your dental insurance company?

Dental plans have different options for choosing a dentist.

Some dental plans allow you the freedom to choose your own dentist while others limit your choice for lower rates.

These two alternatives are called the open and closed panel dental plans.

Open Panel. This type of an American dental plan allows patients to go to a dentist of their choice. Similarly any dentist has the choice to accept or refuse to treat patients enrolled in this type dental insurance plan. Open panel plans often are described as freedom of choice plans.

Closed Panel. This type of American dental plan allows patients to choose only from a limited number of dentists who have contracted with the dental insurance company.

Closed panel plans are again of two types

Preferred Provider Organization (PPO) – The participating dentist provides service at less than
his usual fee to the patients covered by this type of american dental plan.

Exclusive Provider Organization (EPO) – Some patients can see a group of dentists under this
American dental plan. . An EPO contracts with a limited number of practitioners and access to
necessary specialized care may be restricted. The EPO may also limit the amount of services that a
patient can receive in a given calendar year.

If you prefer going to your trusted dental care provider then choose a open panel plan, but read the fine print to see that emergency and routines tests are covered. This might be expensive.

Strike a balance, a better option might be to choose a dental insurance that has a large number of participating dentists from whom you can select one.

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Why do you need dental insurance?

The most important reason why you need dental insurance is that dental diseases are so common and yet preventable that it is a necessity.

Almost every member of the family needs to visit a dentist for routine check-ups every year. Many times it’s more frequent that that. You should be prepared to pay for these costs.

But having a family dental insurance will protect you and your family by covering the costs of your dental care. It’s an essential safeguard for your family’s dental health.

Preventive care, including regular checkups and cleanings, is very important to maintain good dental health. With regular visits to the dentist, problems can be diagnosed early and treated without extensive testing or elaborate and expensive procedures. That is why dental care costs are much lower when compared to medical care.

A good dental insurance cover is an ideal safety net to help you keep your medical costs under control. So, invest wisely and choose dental plan that meets your and your family needs. A variety of online dental insurance plans are now available and are quite simple to buy too.

Our featured plans have many options to choose from.

If you don’t already have your own discount dental plan, here’s one we recommend strongly – http://www.a1-dental-insurance.com . Get more information or sign up today so you can start benefiting within just few days and take advantage of complete discount dental cover for a very modest investment for you and your family.