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Tips On Dental Insurance And Dental Procedures

With the cost of dental procedures continuing to rise, many people are turning to dental insurance plans to help manage their dental health care costs. It's estimated that almost half of the population in the US still does not have some form of dental insurance plan, and if that describes you, here are some tips on how to find a dental insurance plan that will work best for you and your family.

First of all, you need to know about the different kinds of dental plans that are available and here they are:

1. Indemnity - this is one of the most common types of dental plans available and usually paid on a monthly or yearly basis. Most often you are allowed to select any dentist that you want to use, but there's usually a set limit on the amount of dental work that the policy will pay for during a calendar year.

2. Dental health maintenance organization - dentists that belong to this organization agree to receive a flat rate for the dental care that they give to the organization members. The members usually pay an annual fee for dental services, but they cannot choose the individual dentist they wish to visit.

3. Preferred provider organizations - dentists in these organizations form a network to provide discounted dental services to its members. You can choose your dentist, but they must be part of the member organization to get the discount.

4. Dental discount plans - with this type of dental insurance plan you can choose your own dentist as long as they are a member of the plan organization, and there is no limit to the amount of work you can get done. And all dental work is discounted.

Here are few tips about choosing the dental plan to fit you best:

1. If a plan requires you to see a dentist within their organization, ask for a list of the dentists in your area that are part of the plan, so you can decide if it includes dentists that you would like to use.

2. If your plan allows you to select your own dentist, review the plan's fee guide and compare it with your dentist's price list to see how much you will have to pay out-of-pocket for each procedure beyond what is covered in your plan. For instance, your plan may only pay for $50 for a dental cleaning, but your dentist may charge $65. You would be responsible then for the extra $15.

3. If you feel that you may need major dental procedures to be performed in the future, make sure that your dental insurance company will pay for it as some companies only agree to pay for preventative or basic restorative dental procedures not including major procedures such as bridges, root canals, crowns, etc.

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