Dental Insurance Plans

Necessity of oral hygiene

Oral hygiene is as important or to say more important than body hygiene. Healthy gums & teeth lead to healthy body. Preventative measures are significant in the case of oral health. Many simple problems of the teeth may lead to complex surgeries if ignored from the beginning. You can get cheap dental care in a government hospital. But the doctor & the treatment can fail to perform according to our expectations. The interior of the Dentist’s office paves the road to an efficient Doctor. If you are a person who has good oral hygiene, then your visits can be quite less. Still you should visit the dentist twice a year for regular checkup & cleaning.

Concept of Dental Insurance

Insurance is an additional financial support to any frequent visitor to the dentist. You have to pay an annual or monthly premium without any breaks in between.A person without a secure financial background can find it difficult to pay the premium. But if he manages to pay, you will have to pay maybe only half of the amount to the dentist.

Group Dental Insurance

This type of insurance is provided generally for employees working in corporate sectors. The employer will provide dental insurance to each & every Employee, irrespective of his/her designation.

Types of Dental insurance

The insurance company will provide a predefined list of Dental offices. In the case of some employees, their favorite dentist’s might be present. But some employees might have disagreement on the panel of dentists. But their pocket can be saved. Some might have to change their existing dentists. All their dental bills will be covered; sometimes a small percentage will be covered. Any how more than 50% will be covered. This depends on the premium. If the premium is high, you may not have to pay any amount.

Some insurance companies will pay monthly fees to the dentist. This is called Capitation fees. Whether you go for a treatment or not, the dentist will be paid his part. So if there is a treatment or a surgery, you may have to present the bill in your office for the insurance provider to pay the additional amount.

Certain drawbacks of Dental insurance

1) Though dental insurance is a financial relief to the employees, it may not cover each & every dental procedure. Certain orthodontic procedures & almost all cosmetic procedures are not covered by most of the insurance providers in group insurance. Dental procedures group dental insurance might cover are the following.
General cleaning which includes removal of plaque & tartar, taking X-rays, Replacement of crown, Root canal treatment , putting root caps, tooth extraction(especially wisdom tooth) etc

2) Most of the insurance providers do not cover your family.

3) As it is an agreement b/w the employer & the insurance provider, you do not have a rapport with the dentist. It is everything between the insurance provider & the employer.

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Tags: Dental Iinsurance Plans, Group Dental Insurance