Your Dental Insurance Questions Answered
As a result of misplaced fear and notions most Americans do not take dental care seriously. It has been reported that 178 million Americans are missing at least one tooth according to The American College of Prosthodontist.
Many losses occur simply because practical measures were not put in place to protect one’s oral care. Brushing two to three times a day and flossing is a part of hygiene, but regular visits to the dentist are essential. Yes! Good oral health adds to the well-being of every individual. Cleanings and oral exams are generally required only twice a year. Setting aside time for biannual appointments is critical to ensuring that gums and teeth stay in good condition and anomalies such as tooth decay, gum disease, and gingivitis are not setting in. Store aisles are full of dental products that promise to whiten, strengthen, and protect your teeth. However, no product can replace the need for routine dental exams. Dentists not only inform patients of cavities and gum related concerns, they conduct oral cancer screenings and may prescribe fluoride toothpaste that is not sold over the counter as well. By talking to a provider and expressing concerns, a patient will receive an individualized treatment plan and recommendations for conditions such as dry mouth, teeth grinding complications and more. Oral care should be a priority not only for children but all men and women in the US.
The Importance of Dental Insurance
The dental field is vast complete with practitioners that work to ensure a better quality of life. This includes orals surgeons, orthodontists, and maxillofacial surgeons. That is why dental insurance is a must have. There are plans that cover basic cleanings and exams 100%. Some people may find that more than average services are required such as a root canals, crowns, removal of wisdom teeth, or implants. A cosmetic trend occurring among adults is the use of braces to provide better self-esteem and correct issues relating to biting, and teeth alignment. Having insurance cuts down dental cost drastically and makes it possible for care to be affordable. When searching for a dental plan, an individual should pay attention to how much the deductible is, and if any lifetime maximum is listed for services. Before any procedure is performed the patient needs to know if they will have out of pocket cost and how much that cost will be. Many insurance carriers offer different types of coverage and plans. Each dental company has a list of providers that they are willing to pay cost to for services. It is typically better for an individual to choose a provider that belongs to the carrier’s plan. If a provider that an individual selects does not belong to the plan that is chosen, then charges are higher for the insured to pay. Making a selection doesn’t have to be a difficult process. An individual should pay attention to which plan matches their individual needs the best, at a price that balances with their budget. Then, direct questions to the insurance company before making a final decision.
Questions and Answers:
Choosing the right plan takes time. Here are some common questions that many individuals have:
Q: Do I really need dental insurance?
A: Yes, Americans need dental insurance to ensure dental health is maintained.
Q: What is a deductible?
A: A deductible is an amount that the insured must pay before the carrier begins to pay out for coverage. Some deductibles have an amount per individual that needs to be met first or an amount per family.
Q: What is an in-network provider?
A: An in-network provider is on that the insurance carrier has agreed to pay for services rendered at an agreed rate.
Q: What is an out-of-network provider?
A: An out-of-network provider is one that the insurance carrier has no agreement with. Some companies are still willing to pay out-of-network providers but at a much lower rate, leaving the insured with a high bill or balance to pay for services.
No information on this website should be used to start the use of dietary supplements and vitamins, natural and herbal products, homeopathic medicine and other mentioned products prior to a consultation with a physician or certified healthcare provider.