Although tooth decay is a common condition and people are becoming more aware of the importance of oral hygiene, there is an increase in consumer demand for dental insurance in the country. However, depending on where you reside and your access to the policy, dental coverage options might vary greatly, just like with private health insurance. Medicare does not cover dental treatment; most Medicaid programs offer it to children. So, read along to know more.
Dental insurance
Dental insurance is a type of health insurance that pays for treatments that often enhance and maintain oral health. For example, it covers a percentage of the routine dental costs one could incur in a year.
- Your monthly dental insurance premium is paid
- Typically, your dental plan will include a deductible
- There can be recommended providers in your dental plan
Types
The majority of Dental Insurance Plans are HMOs or PPOs (referred to as DHMOs and DPPOs for dental care, respectively), while in some regions Dental Exclusive Provider Organizations (DEPO) and Dental Point of Service (DPOS) are also offered. In general, DHMOs and DEPOs will only pay for services rendered by dentists who are part of their network, and the former will want a reference from your primary care doctor before you may see a specialist. While DPPOs and DPOS plans typically offer some coverage outside of the network.
Costs
Dental Insurance Costs for those who buy standalone dental insurance typically vary from $20 to $50 monthly. Plans start at just $10/month, but you should budget at least $35 monthly for coverage for extensive procedures like crowns and bridges.
Typically, deductibles for dental insurance policies must be met before receiving treatment. Additionally, the amount the plan will cover for adult dental care is sometimes subject to benefit restrictions.
Best companies
High reimbursement levels, a broad range of services, and minimal or no waiting periods are features of the plans provided by top Dental Insurance Companies.
Ameritas
Dental plans Ameritas provides deserve attention due to their reasonable cost, extensive benefits, and lack of waiting periods. In addition, it offers immediate 100% in-network coverage for preventive services like cleanings and bitewing X-rays. Unfortunately, there is no waiting period for essential dental services like fillings and easy extractions.
Anthem
The large plan payouts and the fact that both in-network and out-of-network providers are charged the same premium are two distinguishing characteristics of Anthem’s Essential Choice PPO Platinum. Depending on the state, they offer several dental plans to compare your alternatives based on your financial situation and anticipated dental requirements.
Spirit Dental
Considering that there are no waiting periods for coverage, Spirit Dental’s Core Network plan is a terrific deal. For example, 100% coverage for preventive treatment, including two exams and three cleanings per year, is provided immediately and without waiting time. No waiting period for major care such as implants, oral surgery, and dentures, or basic care like bitewing X-rays.
Humana
This is a great inexpensive plan for customers who prioritize preventive and basic care and don’t mind going without insurance for significant dental issues. You pay a lifetime deductible once with a huge provider network. All preventive care, including oral exams, cleanings, X-rays, and fluoride treatments, are covered fully.
