How a Dental Plan Works
If your health plan doesn’t include dental coverage, you may wish to enroll in a separate dental plan. Most dental plans are similar to health care plans in the following ways:
- They have a network of dentists (providers) from which you can get dental care.
- They pay a certain amount or percentage of covered dental services, which varies depending on the plan you choose.
- Higher monthly premiums typically mean lower out-of-pocket costs for services.
Dental plans are divided into two groups: “high coverage” and “low coverage.” Think about your dental needs and those of any family members. If you anticipate needing more dental care in the future, you may wish to enroll in a high coverage plan. The high coverage plan will include higher monthly premiums, but your out-of-pocket costs for dental care will usually be significantly lower. If you do not think you’ll need a lot of dental care beyond basic preventive services, a low coverage plan may be the right choice for you.
Let HealthMarkets Help You Find the Right Dental Plan
There are hundreds of dental plans available, so how do you choose? Call HealthMarkets. Since 2010, HealthMarkets has helped Americans enroll in more than 4 million insurance policies. Our licensed representatives can help you find a dental plan that’s right for you and your family.
With the help of our licensed agents, you can easily navigate the dental insurance marketplace and rest assured that you have the coverage you need. Call us 24/7 at (800) 360-1402 or find a licensed agent in your community.
http://www.webmd.com/oral-health/ | http://www.investopedia.com/articles/pf/07/dental-insurance.asp | http://fairhealthconsumer.org/reimbursementseries.php?id=16