Health insurance has become main stream over the past couple of decades or so. Dental insurance seems to following the same trend. People are beginning to understand the importance of coverage for dental health and are willing to go for dental insurance as they understand that it will end up saving them money in the long-term.
Why is dental insurance important?
Dental procedures are usually expensive and can leave a gaping hole in your pocket. The reason for the significant cost of dental care is due to the expensive materials, equipment and skilled professionals involved in the treatment. Hence, some form of coverage in the form of Oral health insurance or dental plan is important.
What is the difference between dental insurance and dental plan?
Oral health insurance and discount plan look to be similar but differ in the way they work. It is much more difficult to get a oral insurance policy as it requires a lot of paper work and time to get accepted whereas it is simple to obtain a dental plan.
You do not have to worry about deductibles and waiting periods in discount plan. Aninsurance policy would pay you partially or completely for any treatment you undergo whereas a discount plan acts as a discount card where you get a percentage off for each procedure you undergo at the dentist. The discount percentage differs for various dental procedures and cosmetic procedures are usually not covered. Claiming the amount for oral health insurance can also be bothersome as it requires lot of paper work and can take a long time to arrive. Discount plans are usually cheaper but also tend to provide smaller coverage than dental insurance.
A great disadvantage of both dental insurance and dental plan is that you can’t combine policies together. This is unlike in health insurance, where a secondary insurance policy would combine with the primary coverage and further reduce the costs incurred by you.
Benefits of dental insurance
The greatest advantage of dental insurance is that you are always covered. You do not have to worry about paying expensive fees from your pocket for dental work. We also tend to go for regular appointments and get dental treatment if we are covered. This not only helps to arrest dental problems in its initial stages but also saves a lot of money since dental problems that progress to advanced stages requires treatment which intensive as well as expensive.
What sort of dental coverage is suitable for me?
You should go for a dental coverage that is tailor-made for your needs. If you are a person who has good dental health, do not have any dental problems and need coverage for routine checkups and cleaning, a simple dental plan should suffice. However, if you are the kind of person who is prone for dental problems and/or plan to get extensive dental work done in near future, you should go for an insurance policy which covers a greater percentage of dental treatment costs.
Dental insurance is a really helpful entity to have with you to cover your dental expenses. It does not matter whether you need to go for extensive procedures or do not have any dental problems. Some sort of dental coverage is necessary and you can pick one which is suitable for your needs.
This post is by Dr. Mujtaba Ali who blogs at eDentalHealth.com. eDentalHealth is an informational dental health site dealing with dental problems. The latest article on edentalhealth is pertaining to secondary dental insurance.
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