InsuranceThought — Blogs About Insurance

Which Type of Dental Coverage Is Right for You and Your Family?

Though you may have excellent health insurance, sometimes even the most comprehensive health insurance plans don’t cover dental care, or will sometimes be restrictive in this area. Purchasing the extra coverage for dental care can be a good way to supplement your existing policy or get the essential coverage for this important service that you and your family need to stay healthy.

A dental health maintenance organization – or DHMO – will generally be the least expensive option for supplemental dental coverage. Members of these organization are required to choose a provider from a list; as long as you utilize this provider’s services, most of the dental work, such as cleanings, x-rays, and the like,d will be fully covered. Usually a small co-pay will be required, but there are typically no limits to the visits you make.

A dental indemnity plan, on the other hand, will give you the freedom to choose whatever provider you wish. This type of plan will pay a portion of the fees related to the services you receive and you will be responsible for the remaining portion. Though this kind of plan is often the most expensive way to go, it is a highly flexible one for those who believe they would benefit.

A preferred provider organization (PPO) will usually be a less expensive option than an indemnity plan, but will be more than a DHMO. With a PPO, you will be able to choose a provider from the preferred network or pay somewhat more to see a professional outside of the network.

Dental discount plans are also an option to help alleviate the cost of your oral healthcare expenses, but remember, these plans are NOT insurance. You will pay an annual membership fee and receive discounted rates on your dental services with a discount plan. All of these costs are paid out of pocket by you, the plan simply gives your provider an incentive to give you a discount on your care.

Whichever route you decide is best for you and your family, it’s always a good idea to thoroughly check out the benefits and weigh them against the cost of your premiums and then decide.