With all these premiums, copays, and deductibles, how does dental insurance save you money? Well despite these expenses, a dental insurance plan is still likely to save you money on the overall cost of your dental care. This is especially true for seniors who are more likely to experience oral health complications.
Oral health is closely linked to your overall health. Dental disease can contribute to cardiovascular disease, respiratory illness, diabetes, and other health issues. With regular exams and cleanings, your dentist can help identify warning signs and symptoms of these diseases, before they become larger problems.
Typically, individuals with a dental plan are more likely to visit their dentists more often, resulting in better oral health and lower treatment costs down the road.
A Dental plan works very similarly to a medical insurance plan. You pay a specific monthly Premium and are therefore entitled to certain benefits, including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Some plans will provide broader coverage and others will require a greater financial contribution on your part when services are rendered. Plans may or may not provide coverage for certain types of oral surgery, dental implants, or dentures.
What is the best dental plan for me?
Although there is no one “best” dental insurance plan, some plans may work better than others for you and your family. Plans differ primarily in how much you will have to pay monthly (Premium) for your coverage and how much you’ll have to pay when dental services are rendered. Some plans will require that you pay a certain co-payment for services or meet a specific deductible before the dental plan begins payment. Other plans may limit coverage to a specific dollar-amount maximum per year.
We can help connect you with the plan that’s right for you. Please contact us for details on plans and pricing.