The need for dental work is not always foreseen. You usually will require dental care when you face dental or oral issues whether or not you have taken good care of your teeth or as a result of an illness or accident. If you are considering getting insurance for you or your loved one, in this article we talk about the benefits of dental insurance and if you should get one. Read on to find out more…
What is dental insurance?
Dental insurance supplies you with coverage to help save more money and at the same time ensure good oral health. Dental insurance plans can be provided through your job or you can purchase a plan on your own. They may not cover all your dental work, but they can be of help in reducing cost in case of major work. But this all depends on your plan and the agencies that you choose to go with. The typical policy can help cover some or all the cost of routine cleanings and X-rays to more complicated ones such as implants.
There are different types of policies ranging from individuals to groups and families, they also come in three categories:
- Indemnity Dental Plans
Indemnity dental plans are also known as “fee of service plans” and tend to be more pricey. The advantage to this plan is that you get to choose your own dentist. However, you either need to pay from your own pocket first than claim for it or you are given a specific amount that the insurers are willing to pay.
- Preferred Provider Organization (PPO)
PPO comes with a wider network as dentists come to join PPO and negotiate their fee structures. It can be pricey due to the associated administrative costs
- Health Maintenance Organization (HMO)
With HMO you’ll pay monthly or annual. HMO is the cheapest plan among the three, but it is restricted to areas where HMO is provided.
Benefits of dental insurance
Dental insurance can work as a safety net, in the case of the need to have extensive procedures done. Dental work can be expensive and can put a hole in your wallet if you are not ready to face the cost of a major dental work. If you are still unsure, here are benefits of dental insurance to consider:
- Give opportunity for regular checkups and reduce the risk of finding out a problem too late.
- Protected from financial risk due to unforeseen dental or oral problems.
- Having a plan provides a cheaper cost than normal walk-ins.
Do you need dental insurance?
It is important to understand your own needs when it comes to selecting a suitable insurance. There are plenty of insurance agencies and policies to pick from out there. Dental insurance can be costly especially if it doesn’t match your needs. Here are points to look out for to check if you need dental insurance:
- You will need dental insurance if you need extensive procedures done, like surgery.
- You are concerned about your overall oral health as you age.
- You play sports or have a more dangerous lifestyle like a race car driver or an MMA fighter or stunt actor/ actress.
- You haven’t been taking care of your dental and oral health
If you are in Hamden and you are looking to do dental work or just a regular checkup.. At Parkway Dental we have trained and highly experienced professionals that can provide you with the proper dental care you and your loved ones need. Give us a call at (203) 408-2248 to book an appointment.