Dental Insurance Plans: Types and Features

Are you looking for dental insurance for your employees? If yes, then you should consider buying group dental insurance. This type of coverage is offered by companies who want to provide their employees with quality health care at affordable rates.

The cost of dental care has increased over the years. In addition, the number of uninsured Americans has also risen. As a result, many employers are offering dental insurance plans to their employees.

What Is Dental Insurance?

Dental insurance is a form of medical insurance that covers the expenses incurred when visiting a dentist. Most dental insurance plans offer protection against unforeseen events like accidents and injuries. Other than protecting against unexpected problems, dental insurance also protects individuals from financial burdens associated with dental bills.

If you’re in need of a dentist, chances are that you have no idea where to start when it comes to finding one. While there are plenty of dentists out there, not all of them offer the same level of service or experience. And if you’re like most people, you don’t know what questions to ask before choosing a dentist.

Types of Dental Insurance

There are two main types of dental insurance: individual dental insurance and group dental insurance. Group dental insurance is usually provided by an employer. It can be either medical or dental. Medical dental insurance covers only the treatment of teeth and gums. On the other hand, dental insurance covers the full range of dental treatments including fillings, crowns, root canal therapy, gum disease treatment, etc.

It’s important to note that dental insurance doesn’t cover everything. You still need to pay for certain procedures such as x-rays, cleanings, extractions, and orthodontics. However, these expenses are typically covered under another form of insurance.

Dental insurance is designed to protect individuals from high costs associated with dental problems. It also helps prevent costly dental issues from occurring.

Dental Insurance Plans Available in the Market

When searching for dental insurance, you will find that there are different options available. Some of these include:

• Individual dental insurance – this type of plan is ideal for those who do not work for an organization. Individuals can choose from a variety of policies depending on their needs. They can even purchase a policy that includes vision and hearing coverage.

• Employer-sponsored dental insurance – this option is often chosen by businesses because they want to ensure that their employees receive quality dental care at affordable prices. There are various levels of coverage available.

• Health maintenance organizations (HMO) – HMOs are similar to traditional insurance plans. They require patients to visit a specific provider. However, unlike traditional insurance, HMOs charge higher premiums for each visit.

• Preferred Provider Organizations (PPO) – PPOs allow patients to see any doctor or hospital within its network. These networks are usually based on geographic location. Patients must select a primary care physician and/or specialist prior to receiving treatment.

• Fee for Service (FFS) – FFS plans are popular among small business owners. This plan allows patients to use any dentist within its network. However, the patient pays the entire bill regardless of whether he or she receives quality care.

• Denturist – A dentist who specializes in cosmetic dentistry. He or she may perform simple restorative procedures such as tooth whitening, veneers, crowns, bridges, etc.

• Independent practice association (IPA) – An IPA is essentially a collection of independent dentists. Each member practices independently but shares office space.

• Network – A network is a group of providers that work together to provide health services. Networks are usually formed around common interests or locations.

• Specialty dental insurance – specialty dental insurance is offered through a specialized company. They focus on providing dental care to people suffering from special conditions such as diabetes, cancer, HIV, etc.

Whether you are looking for individual dental insurance or employer-sponsored dental insurance, you should be able to find a policy that meets your needs. Remember that dental insurance does not cover all types of dental treatments. Be sure to check out what is included in your policy before purchasing it.

At Healthbridge Insurance Solutions, we help you choose the best dental insurance products that meet most of your needs. By providing you with unbiased information about dental insurance plans, we hope to make your life easier when choosing which dental insurance plan to buy. Our team of experts is committed to helping you find the right dental insurance solution. We have been helping individuals and families get covered since 2001. Our goal is to help you achieve financial security so you can live life without worry. Contact us today!