You need to always look into your insurance needs to make sure you can pay for medical procedures. Dental care is still considered medical coverage, so finding the right dental plan is every bit as important.
According to statistics, 91% of people over 20 years old will develop cavities. If you want to make sure you’re able to handle your dental needs, you need to know all about the kinds of plans available to you.
Keep reading to learn more about the different types of dental insurance that are available to you.
What are the Different Types of Dental Insurance?
Dental covers can get quite pricey. A root canal may cost you between about $500 and $1,500 or so. It’s important to have a dental insurance plan that can help you pay for whatever you need.
When you’re looking into affordable dental coverage, the types below are a great starting point:
1. A Dental Point of Service Plan
When you have a dental point-of-service plan it allows you to go to the dentist to get care even if it is outside of an established network. You can get less expensive prices by sticking within the network, but you ultimately have more flexibility than other plans.
Because you get access to this kind of flexibility, you will usually have to pay a larger deductible and premium to keep this policy.
2. A Dental Preferred Provider Organizations (PPO)
A Preferred Provider Organization (PPO) plan is one of the more common forms of dental coverage that people get. You are encouraged to stay within the network because the prices are cheaper.
However, you can go out of network if you are willing to pay greater prices. With a dental PPO, there is also an annual deductible and it is split up among your family. Your insurance company will also pay a percentage of the services that you get depending on the terms of your plan.
3. A Dental Health Maintenance Organizations (DHMO)
Plenty of people appreciate Dental Health Maintenance Organizations (DHMO) plans. With these plans, the focus is affordability. You don’t have to pay a deductible in most cases and each piece of service that you get has a set price.
For example, preventative checkups are typically included, and you will pay a set fee per cavity filling or other matter.
4. A Dental Exclusive Provider Organization (DEPO)
Finally, a Dental Exclusive Provider Organization (DEPO) allows you to get extensive care when you plan to go to a dental specialist. This could include orthodontists or cosmetic dentists.
With these plans, coverage generally is only applied when you go to a dentist that is within the network.
Shop for the Dental Insurance That You Need
When you’re searching for the many different types of dental insurance on the market, start with the four options above. By taking the time to shop around for the right dental insurance policy, you will be able to keep your teeth and gums as healthy as possible.
If you’re in the market for dental, vision, life, or other plans, we would be happy to help you out. Contact us by using our web form or giving us a call at (210)469-3900.