Dental Insurance Plans
Dental Insurance Plans
Family Health Plans of TX understands that dental care is an essential component of your wellbeing. You should consider numerous aspects when deciding which coverage to purchase for yourself, your family, or your employees.
There are also different types of plants to choose from, such as dental indemnity insurance plans, discount dental plans, PPO (Preferred Provider Organizations), and HMO (Health Maintenance Organization). First, let’s tackle why you should get a dental plan.
Why It’s Important
Why It’s Important
Aside from giving you a beautiful smile, your teeth and gums can impact your overall health. While regularly going to the dentist can be costly, dental insurance coverage can help you make the bill more affordable.
Instead of skipping regular cleanings and checkups due to the cost, having a dental insurance means you can go to each one and avoid serious dental health problems. Continue reading this page to see what’s the best dental insurance coverage for you.
Types of Dental Insurance Coverage
Types of Dental Insurance Coverage
Dental insurance policies and medical insurance plans are often categorized as indemnity or managed-care plans. Their differences lie in the choice of dental care providers, out-of-pocket costs, and how they pay your bills.
Indemnity Coverage
Indemnity Coverage
Indemnity coverage typically offers a wider selection of dental care providers compared to managed-care policies. With this, carriers pay for covered services only after receiving the bill. You may have to pay upfront and obtain reimbursement from your insurance afterward.
Managed-Care Policies
Managed-Care Policies
Managed-care policies maintain their network of dental professionals who agree to perform services for patients at pre-negotiated rates. These dentists usually submit the claim to the dental insurance company for you.
What's Included in a Basic Dental Insurance Coverage?
What's Included in a Basic Dental Insurance Coverage?
Coverage can be different depending on your policy and provider. Read the fine print of your dental insurance policy to find out what is covered.
Generally, basic insurance coverage includes three categories:
Preventive and Diagnostic Dental Care
Preventive and Diagnostic Dental Care
Most dental plans and dental insurance cover basic costs meant to prevent dental problems. They take care of a large part or all of all the dental costs associated with basic services like cleaning, checkups, and other procedures meant to prevent tooth and gum disease.
Basic Dental Care and Dental Procedures
Basic Dental Care and Dental Procedures
The majority of dental insurance and dental plans also cover basic dental procedures like fillings, tooth extractions, chipped teeth treatments, and more. However, coverage varies from provider to provider.
To get the most out of your policy, make sure you select a provider that covers as many dental procedures as possible.
Major Dental Care
Major Dental Care
Not all policies cover major dental care, but some cover at least a portion of the costs.
Some of the procedures included in major dental care are surgery, orthodontics, denture work, and other large and expensive dental procedures. If you might require these in the future, it is advised to find a provider willing to pay the highest percentage possible.
Note: This is a brief overview of the coverage that can be included in a dental insurance policy. Make sure you read a policy thoroughly before making a purchase.
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Vision Insurance
Vision Insurance
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