Dental insurance plans meant for individuals have risen, with companies opting out of the policy of providing dental insurance for its employees. One can choose from the numerous plans to avoid paying for the services upfront.
The form of insurance which takes care of a certain portion of costs incurred on dental care, is termed as dental insurance. It is broadly divided into individual and group plans. The manner in which dental insurance functions could vary with different plans and policies of the insurance providers. Services offered by the preferred provider organization (PPO), are used by many of those who want to avail dental insurance. The PPO, through its network of health care providers, medical doctors, and hospitals, provides medical service at cheaper rates to the clients.
Managed care plans and indemnity plans are the two major insurance plans. The main advantage of buying managed care plans is that they offer services at low costs. However, one has to choose from the list of dentists given by the service provider only. Indemnity plans, on the other hand, provide a greater choice to the clients while choosing the dentist.
Plans for Individuals
There are many companies which provide dental insurance plans for individuals. ‘Delta Dental’, ‘SafeGuard Health Enterprises’, ‘United Concordia Companies, Inc.’, and ‘CAREington International’ are some of the major providers.
Indemnity: In this type of dental insurance, the customer has to pay a fixed amount of monthly premium to the insurance company, which is then reimbursed or paid back to the dentist for his services. The pre-determined or fixed deductible amount can vary from plan to plan. The amount of fees covered by the insurance company ranges between 50 – 80%, while the client has to bear 20 – 30% of the expenses.
Individual PPO Dental Insurance
Nowadays, the number of companies offering dental insurance for their employees are less in number. Insurance companies have thus started offering dental insurance for individuals. The plan that one chooses depends upon dental health and many other factors. If one has good, strong teeth, a low-cost plan with basic dental care services would be enough. Such a plan would cover the costs of X-rays and regular cleaning. One should go for the full coverage if he faces dental problems frequently, or shows root canal symptoms. Dental PPO is a network which provides its members with dental services as long as they stay in the network. The members are not charged for availing the services offered by the dentists associated with PPO. The cost of individual PPO dental insurance is less as compared to traditional insurance schemes.
Affordable plans help old or seniors citizens in saving their limited bank balance or assets. The dental insurance plans for seniors should be such that it is easy for them to pay the premiums. Discount dental plans is the best option for seniors seeking dental care services.
Dental insurance has become a must due to the high costs incurred in dental care services. One should thus choose a suitable individual dental insurance plan which caters to his needs and takes into consideration budget constraints.