Do you need dental insurance

Insurance is tool that offsets financial losses due to accidents or unforeseen circumstances. With this in view insurance is always advocated but if one is young & healthy & doesn’t need to visit a dentist more than twice a year dental insurance will not be a requirement. The reason is that the premium for such insurance may be more than the annual tooth maintenance bill

People with a turbulent dental history are advised to purchase dental insurance or join a discounted dental plan for the simple reason that dental bills can turn out to be very steep otherwise. Millions of Americans are undergoing root canal & cavity procedures despite the fluoride in drinking water.

Dental health in the USA has not been of very high standard over the decades. Dental health depends upon a variety of factors including dental hygiene stress personal eating habits & nutrition.

The programs of dental coverage available are Indemnity Plans Preferred Provider Plans HMO Plans & Discount Plans:

Dental Indemnity Insurance Plans

These are normal traditional insurance coverage plans where you get a percentage of your dental bills covered for a monthly fee or premium. Normally a indemnity plan covers 100% of preventive services 80% of restoration services & 50% of major treatment like orthodontics.

Dental Preferred Provider Plans

These plans cost an average of $40 per month & give you highly discounted rates of dental procedures within the specified network. A few benefits are available outside the network also. These plans are regulated by state insurance departments & fall in the insurance category.

HMO Dental Insurance

These insurance plans are also known as capitation plans. They operate like Health Maintenance Organizations HMO . These are also regulated by state insurance department & cost between $20-$40 a month.

Dental Discount Plans

Discount dental plans are like clubs where you get the best deals when you show your membership card. These are again network based. They give best value to individual & family memberships. This membership is only purchasing a discounted access to a network dentist & is not considered insurance.

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