Differences between Dental Insurance and Dental Plans

Dental insurance used to be a benefit paid by employers just like medical insurance. While some employers offer dental insurance to executives at high levels of management, many have opted not to offer it at all. The middle ground is employers offering to split the cost of dental insurance coverage with employees. This is feasible for the employee but will get expensive when family members are added.

The result is millions of people with no dental insurance. Appointments for preventative care are expensive when the entire cost is coming out of pocket. People on budget constraints typically put off going to the dentist because they cannot pay the bill.

Dental Plans

A dental plan is different than insurance in a few ways. An individual or family has several options for plans, so they select the one that works best for their needs and budgets. A monthly payment is required, and that amount depends on which plan is chosen. Some basic plans, for example, cover preventative and routine care. The fee is low and procedures such as cleaning twice a year and a dental examination annually are covered for the plan holder.

More extensive plans carry higher payments but will save holders ten to sixty percent off many procedures that may include tooth extraction, root canal treatment, or emergency restoration of a broken tooth. There may be waiting times of up to one-year before some procedures are covered, so be sure to get details of all the terms and conditions of a few plans to make an informed decision. Most plans offer thousands of in-network dentists from which to choose. People can go to any dentist they please, but the maximum savings will be enjoyed when appointments are made with in-network dentists.

An Important Alternative

Dental plans provide an affordable alternative to paying full price for appointments. They also offer an alternative to neglecting teeth. The lack of proper dental care not only leads to decay, a decline in confidence, and bad breath, it also leads to poor overall health. Decay spreads through the blood stream, as does infection. Pain raises blood pressure, infection raises blood sugar, and swallowing particles that flake off decaying teeth can result in respiratory issues. Take care of oral hygiene for a bright smile and better overall health.