Dental Insurance: How to Get the Best Dental Insurance Plan NOW

Even with Dental Insurance, procedures can be VERY expensive. To many people it seems like options are limited, information is very confusing, and, at the end of day, their services are still astronomically expensive. Even if you have dental insurance offered by your employer, it is very important that you are informed to ensure you have coverage that matches your needs.

This video will cover the basics of dental insurance including cost saving options and emergency coverage.

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Even if you have dental insurance through your employer, you may want to consider private dental insurance. Private dental insurance plans usually range from $15-$50 per month for a single individual. Compare that to the plan offered by your employer. If you choose to purchase a separate plan, you will have more choice in providers and plan type.

There are 3 main types of plans: PPOs (Preferred Providers Organization), DHMOs (Dental Health Maintenance Organization) & Indemnity Plans (Fee for Service). PPOs and DHMOs work similarly to their health insurance counterparts.

PPO
-100/80/50 split.
-100% of your preventative services will be covered (routine screening, cleaning and xrays)
-80% of your basic services will be covered (fillings, root canals, and extractions)
-50% of your major services will be covered (crowns, bridges, and implants)
*** Usually orthodontics is not part of a basic dental plan, but you can often add on orthodontic services for an additional fee.
-Maximums range from $1000-$2000. Once you have reached that cap, you will be on your own for any remaining expenses.
-Higher monthly premiums, but more flexibility with dentist choice (If you use an out of network dentist, you will still have coverage, just less so than with an in-network dentist)

DHMO
Set Copays for services
Limited Network
Preferred Physician must coordinate specialists
No maximums
No coverage out of network

Indemnity Plans
Ultimate flexibility in the dentists and specialists you see and the coverage offered.
-Much higher annual caps, so if you need extensive work
-Higher monthly premiums and higher deductibles compared to PPOs and DHMOs.
-Payment required upfront, followed by paperwork for reimbursement

You can purchase dental insurance on or off the marketplace. To enroll in insurance through the marketplace, you must do so at the same time you enroll in your health insurance plan. Open enrollment is every year from Nov. 1-Dec. 15 (although some states offer extended enrollment periods). For a marketplace plan, logon to healthcare.gov to see all of your options. Additionally, you may be able to enroll during a special enrollment period if you qualify. Should you choose to enroll in a plan off the marketplace, you can do so year round.

If you are in pain now, there are options. If you have insurance, you may be able to switch to a more appropriate plan and skip the waiting period for major services. Also, there are actually plans that will cover major services as of January 1st the following year. You can look into a discount dental plan (also known as a dental saving plan) for some major discounts. However, the network is usually rather limited. If all else fails, many dentists offer discounts for those paying cash and there are community health events and dental schools.

If you have any further questions, please feel free to contact us here at iHealthBrokers at 888-410-0344 or https://ihealthbrokers.com/

There is no charge for our services.

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