The field of dental insurance is getting bigger and more competitive with the passing days. Before we get into the rates and limits of these insurance plans, let’s take a look at some basic aspects of dental coverage that you should know about.
Why do I need it?
At some point in our lives, we will all have to have tooth extractions, dental fillings, teeth whitening or root canals. While some dental exams are annual, others can be monthly or quarterly. You cannot afford to ignore these checks even with escalating dental costs. Dental insurance offers a perfect solution in this situation by covering the costs of dental treatments.
How do you find the right insurance?
Ideally, your insurance should provide all the benefits you need and should also be reasonably priced. The best and fastest way to get the information you need is to go online and request dental insurance quotes from different companies. This method will help you get the rates offered by various companies at no cost. As a result, you can request multiple dental coverage quotes. From the information you get, find the lowest quote that gives you the benefits you need.
Complete Plans and Maintenance – What’s the Difference?
Your dental insurance will ultimately depend on your specific dental needs. It is therefore imperative to understand your needs first. For example, if you have serious dental problems and need to see the dentist very often, a complete dental regimen would be the right option for you. Although these plans have higher premium rates, they will fully cover the costs of all your dental treatments.
On the other hand, when you don’t have to visit the dentist other than for your annual exam, all you need is the dental maintenance plan. Compared to the full plan, this affordable dental insurance has lower premium rates.
What are my options?
There are different types of plans offered by Washington State dental insurance. The main ones are:
* Compensation Plan: This insurance plan sets an annual limit on the amount covered for dental treatments or procedures. However, this plan allows you to choose your dentist.
* Self-insurance plan: This dental insurance plan is almost similar to the compensation plan. But that does not allow you to choose a dentist.
* Organization of the preferred offer: this plan limits your dental treatments to a few dentists who will provide dental treatments at lower rates.
* Closed Panel Plan: This dental insurance plan limits the facilities and dentists available for dental services.
* Service plan: Some dentists are members of non-profit organizations that provide dental services at fixed rates. Service plans allow you to see only these dentists.
* Direct reimbursement plan: This plan was designed for corporate use. With this plan, an employer will be able to directly compensate its employees for all dental treatments they have undergone.
Remember that there are many dental insurance plans that give you the perfect combination of benefits and low premium rates. Take the time to compare plans so you don’t have to sacrifice perks for affordable rates.