Research suggests that people who don’t have dental benefits are
more likely to neglect preventive dental care and are more likely to require
expensive extractions, dentures, and emergency treatments. Although dental
treatments can be very expensive, there are ways to reduce these costs.
In this blog, we explain 5 things you can do to save on your dental care expenses.
#1: Dental Insurance vs. Medical Benefits
Dental insurance plans are designed to encourage policy holders to take advantage of preventive
treatments. Most dental plans offer to pay 100% of preventive services
like cleanings, X-rays, and check-up appointments. Most plans will also
cover restorative services such as fillings and periodontal cleanings
for 80% of the cost. Procedures for implants and crowns are usually reimbursed
at 50%. Dental plans typically have low annual maximum caps on what the
plan will pay towards your care.
#2: Braces Aren’t Always Covered
Dental plans purchased on the private market often do not cover orthodontic
services. However, work-based dental policies generally offer a $ 1,500
lifetime maximum payout for the cost of braces.
A lot of the dental plans sold on the market today give customers access
to a large number of dentists. But if you think you will require a lot
of dental care, you might want to consider an HMO. An HMO plan limits
the dentists you can see to only those who participate in your insurer’s
network. Although these offices have a more corporate environment, their
overall costs are usually lower. Monthly premiums for HMO plans are less
expensive than PPO plans, and there is no maximum annual coverage.
#4: Discount Plan
A discount dental plan can help you lower your dental care expenses by
up to 60% for common charges. However, discount plans aren’t actual
insurance plans, and they are not regulated by a state’s department
#5: Compare Policy Prices
When looking for dental care, ask upfront about the costs you will have
to pay for and request a pre-treatment estimate. After you do this, look
around and compare prices before you commit to any one plan. Our friendly
insurance administrators can help you compare prices and find the dental
policy that is right for you.
At Insurance Specialists, Inc., we are dedicated to helping our clients
get the highest quality insurance products that they need. Our professional
insurance administrators can help you get dependable dental insurance
at a competitive rate. More importantly, we will make sure your coverage
remains consistent and is of the highest possible quality.
Call (888) 451-0883, or contact our team of Atlanta insurance administrators
to get help finding the services you need.