Choosing The Right Supplemental Dental Insurance Plan
Many of the insurance plans do cover dental health but it would still leave out many expenses for which you'll have to shell out money from your own pocket. So, assuming that your insurance plan is taking care of your dental health can be a big mistake.
Not just that, there is also the possibility of your dental insurance plan not covering the entire cost of your dental treatment. This happens because most of the insurance plans focus on covering bigger treatment expenses. In doing so, they leave out the minor expenses, which pile up into a considerable amount. It is in this situation that supplemental dental insurance helps.
Supplemental dental insurance is not another kind of dental insurance by another name. You need to have a proper dental care insurance besides the supplemental one because the latter helps one cover the cost of such dental needs that are not covered either by your primary health insurance or the dental insurance.
One of these are dental discount plans, which are carefully devised to reduce dental costs by making the dentist lower their rates for individual clients in lieu of the volume of patients they get. Now, these are not actually dental insurance plans but since they pass a part of the benefit to the patient, much of the treatment cost is absorbed. You pay a regular fee to the company providing such services. The amount you pay is far smaller than what you save. The financial burden is thus reduced. Such a plan can cost one as little as $5.
For college students in particular, there are discount dental plans, which work much the same way as any other discount dental plan. The only difference is- many colleges opt for such plans for their students. These plans normally have limited benefit and cover things like regular cleanings, fluoride treatment, x-rays, and emergency dental treatment for pain relief.
Another popular supplemental dental insurance is the preferred provider network, which has a list of dental professionals for you to choose from. If you go to any one of them, the charges are heavily discounted. The plan pays a fixed fee to the dentist for the services rendered and whatever is left is paid by you. So, they pay for the service and you pay the additional cost.
These are some of the choices you have. The plans may differ on finer points, but basically they are either one of them or a combination of one or more.