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4 Types of Dental Insurance & Which is Right for You

December 2, 2017

Dentist talking to patient about dental insuranceThere are a number of different dental insurance options out there, and many patients simply accept whatever plan their employers provide. However, it is easier than ever for people to find their own dental insurance coverage that means their unique needs. If you’re shopping for dental insurance for 2018, read this blog to learn more about the types of dental insurance plans that are available.

1 – PPO Dental Insurance Plans

PPO stands for preferred provider organization. This is a popular option because these plans allow patients the flexibility to choose the dentist and treatments they want. The plans have set treatments that they cover, set fees they consider fair and certain in-network providers who can ensure patients receive the maximum insurance coverage. However, patients can choose out of network providers or not covered materials or procedures. They will simply need to pay any differences in the plan’s set fees and the treatment costs charged by the out of network practice.

2 – HMO Dental Insurance Plans

HMO stands for health maintenance organization. They are usually cheaper than PPO plans, but unlike these more flexible plans, HMOs are known to inflict stringent coverage restrictions on patients including what dental offices they can visit and what treatments and material can be provided.

3 – Dental Indemnity Insurance Plans

These are typically purchased by a group not individuals, but some insurance companies do make these plans available for individuals to purchase. They are beneficial for patients who need a higher than usual annual maximum benefit due to a need for advanced restorative or orthodontic treatments. Unlike traditional insurance plans that cover part of the cost of dental care at the time of treatment, dental indemnity plans require patients to cover the full price of treatment out of pocket. Then, they will need to a file a claim and receive reimbursement.

4 – Dental Savings Plans

Some dental offices offer practice-specific dental savings plan. These plans require patients to pay a pre-set fee each year. This annual fee typically covers the costs of their preventive dental treatments as well as a small percentage of the costs of other treatments.

Meet Dr. Wagner

At Eccella Smiles, we are happy to process and file dental insurance claims for most providers, and we are always happy to help our patients with their documents. If you have questions or concerns about your dental insurance coverage, contact our Jacksonville Beach dental office today. Our team works with dental insurance policy documents every day, and we will do our utmost to answer any questions you have and help you maximize dental insurance coverage. If you need help determining which dental insurance plan is right for you, our team is happy to help. Dr. Scott Wagner and the dedicated Eccella Smiles team members are here to help. Give us a call or feel free to talk to us about your dental insurance plan during your next checkup.

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