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Dental Insurance Plans Why Are They Necessary?

May 14, 2008
If you are considering signing up for a dental plan, you probably first of all asked yourself whether it is really that important to do so and why. If you have a family and especially children, then, you just have to consider the amount of money that regular check-ups at the dentist's take up every year, and this will motivate you to think of it seriously. With dental plans, it is possible to drastically cut off on these costs.

Dental insurance plans may vary and it is important that you find one that suits your needs and those of your family. You may choose among indemnity plans or managed care plans, the two main types of plans, among others. But when choosing a suitable plan, you have to have in mind what it is that you need your plan to cover. Different insurance providers will have plans that cover different dental procedures. It is true that most plans cover basic dental care.

Indeed, dental insurance providers prefer laying emphasis on prevention rather than cure, as they know that regular checkups and cleaning of teeth diminish the risk of future major, more expensive procedures. However, coverage of cleanings are in many cases be limited to a number of two per year. Limits are also often placed on the number of checkups.

Another thing that you should bear in mind that cosmetic surgery is not covered by the great majority of dental insurance plans. This is quite fair as these plans, like medical insurance ones, aim at keeping people in good health or restoring health, and not at giving people good looks.

Whereas most plans usually cover minor procedures, you should however not take any plan for granted. It is important to examine each one carefully, to ask questions, so as to be sure of choosing the one that best suits your needs. It may even be possible to make arrangements with your medical insurance provider to have your dental plan combined with your existing medical insurance plan. You would hereby gain the advantage of having a two in one plan, and end up paying less than if you had two separate plans.

You also have to consider other aspects such as exclusions, which are very important. Among these are waiting periods and pre-existing conditions. Dental insurance providers will want to avoid paying for procedures relating to conditions which were present at the time you signed up for the plan. Some plans may have shorter waiting periods than others.

Finally, some insurance providers may introduce you to discount plans. They are basically not the same as dental plans but usually cost less, which is not insignificant. They are beneficial for those who cannot afford a dental insurance plan. It is up to the dentist who is on the plan to offer discounts to those clients who are willing to pay him membership fees which will go towards financing the plan.

You are probably now convinced of the importance of having a dental insurance plan, and you have been provided with some tips as to how to choose the best one for you and your family. Keep in mind that the range of procedures that a dental plan covers is inversely related to the price that you have to pay for it. One advice however is to stick to your requirements. Even if the amount to be paid seems a bit high, remind yourself that you will not have to disburse any additional costs out of your pocket.
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