Insurance has become one of the most important parts of our day to day lives; Dental Insurance is no different. Our mouths are obviously important so regular dental checkups are required for our health and oral hygiene.
Finding that one dental plan that covers all your needs is difficult. The first thing you need to look at is whether cover is just for yourself, or your family you are trying to cover. A dental plan which covers regular cleaning, teeth whitening, oral surgery and anything else which may crop up for you as you get older is great. However when looking to cover your family it can become a bit more complicated. With young people come things such as braces, teeth caps and retainers. These items and procedures are expensive, so finding the right company for coverage becomes even more important.
There are three basic types of dental coverage in this sea of healthcare providers. The first is called a Preferred Provider Organization or PPO. With this plan you can visit any dentist you desire without a referral and costs are usually lower if you choose a dentist who is part of the PPO network.
The second is a Dental Maintenance Organization. A DMO is when you choose a primary dentist for your oral care needs and when you need to see a specialist they write you a referral. Sometimes these plans cover orthodontia which you wouldn’t need a referral for.
The third and final dental coverage is a dental indemnity plan. This plan allows you to see who you want when you wish but with this plan comes deductible and annual limits to money and visits. This plan is very limited. With these outlines you should be a bit more knowledgeable when you go to choose your dental insurance for yourself or your family.