Dental Insurance Plans

Oral Hygiene

Oral Hygiene is equally significant as body hygiene. One should take good care of their teeth every day by brushing twice everyday  & flossing twice a week. You should not ignore even minor problems of your tooth. It is these minor problems that may lead to serious problems in the future. So where you need spent only a small amount, you may have to spend large amounts. A small cavity should not be left unattended. It will disappear only when treated by a dentist. You have to visit a dentist at least two times a year for regular checkups or cleanings. So a dental insurance will not be a bad idea.

Primary dental insurance

There are different types of Primary dental insurance.

1. DHMO: - Network of dentists is already listed. If you choose from the network only, you will be covered for all the treatments. There is specific waiting period. For major treatments waiting period is more. Premium amount is cheap.

Treatments

Primarily this covers routine procedures like cleanings, X-rays, fluoride treatments for children etc. Cosmetic procedures, orthodontic treatments & pre-existing conditions are not covered.
2) PPO: - You can choose the dentist of your choice.

Less discount if it is the dentist of your choice. Easily reimbursed without the hassle of co pays & deductibles.

High premiums & more coverage.

Treatments

Routine treatments are covered. Orthodontic treatments like application of braces are covered. 18 months.

Secondary Dental Insurance

A person generally prefers secondary Dental insurance if the primary insurance is not satisfying his/her family needs.

Clauses

• You or any member of your family has met with a dental emergency. You have lost a tooth or part of it, and then you may have to go for dental implants.
• Your teen-ager requires braces. Then you become a frequent visitor.
• Root canal or crown replacement.
• You cannot avoid certain new cosmetic procedures like bleaching, certain corrective methods like gum treatments, smile correction etc.

The above-mentioned clauses persuade you to take a secondary dental insurance, if your primary dental insurance provides only preventative treatments & fillings.

Advantages of Secondary dental insurance

1. Dental treatments not covered by primary dental insurance are covered.
2. No waiting period like primary dental insurance.
3. You get more coverage than your any previous dental insurance. This is something additional.
4. Best option for any dental emergency.

Disadvantages: -

1. You have to pay more. If you have to pay more, and then better opt for a   primary dental insurance, which give you more options & more coverage.
2. In any dental emergency, if you cannot afford secondary dental insurance ‘coz of its cost then it   will come of no use.

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