Why is Dental Insurance Important?
Dental insurance is a good value in terms of cost savings. It will cover the expense of an annual checkup and professional cleaning. Employees must pay for dental procedures without dental insurance using savings or credit cards.
If you have children, keep in mind that according to the CDC, tooth decays are one of the most chronic diseases for children in the United States. Parents and caregivers with dental insurance for their families are more apt to use their plans to take their children in for regularly scheduled dental exams.
Regular dental visits can help catch problems early and avoid more serious and expensive problems down the road. A healthy smile is something that all people deserve, and dental insurance can help make that happen.
Affordable Dental Insurance Plans
Dental care can be pricey, especially if you do not have insurance. Even a simple cleaning can cost upwards of $100, and more complex procedures (such as root canals or braces) can easily cost several thousand dollars. For many people, dental care is simply not affordable.
Fortunately, there are some ways to obtain affordable dental care. One option is to look for affordable dental care plans. Dental plans are usually less expensive than traditional dental insurance and often offer significant dental service discounts. Another way to save money on dental care is to take advantage of dental schools. Dental students are often willing to perform routine procedures, such as cleanings and x-rays, at lower prices than a private dentist. Finally, many dentists offer financing options to make dental care more affordable. With a little bit of research, it is possible to find affordable dental insurance.
Most dental insurance plans will fall into one of the following categories:
DPPO plans typically have a network of dentists that subscribers can choose from, but they also allow out-of-network care at a higher rate.
DHMO plans also have a network of participating dentists, but subscribers must receive all their care from within the network to be covered.
Dental indemnity plans are more like traditional health insurance because they reimburse subscribers for a portion of their dental care costs.
DEPO plans only allow subscribers to receive care from a specified list of providers
DPOS plans allow subscribers to receive care from any dentist but offer lower reimbursement rates for out-of-network providers. So regardless of your plan type, it’s important to read the fine print to understand your coverage carefully.
Hargulf Insurance is here to help you find affordable dental insurance that covers the services you need. We will tailor our recommendations to your specific situation. In addition, we will review your options annually to ensure the affordable dental care plans are still meeting your needs. With Hargulf Insurance, you can be confident you are getting the most affordable dental insurance for your family.