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There are a number of ways to receive full coverage dental insurance if you know where to look. Finding a dental insurance plan that will cover every visit to the dentist can be difficult, as it’s impossible to know exactly how much you’ll spend on oral care.

As dental care is so closely correlated to overall health and well-being, having a plan that suits your needs is of utmost importance. Thankfully, there are many options to choose from. By comparing policies side-by-side, it’s possible to discover the right plan for you.

Three Traditional Options for Dental Care

Dental insurance comes in three varieties:

  • Dental Maintenance Organizations (DMOs) offer a full range of dental services within a specific network of doctors.
  • Preferred Provider Organizations (PPOs) offer the same services, but allow patients to seek services outside of the preferred dentist network.
  • Indemnity plans cover any and all dentists, allowing more freedom of choice.

These three types of dental insurance typically follow the “100-80-50” rule, which means that your coverage will pay 100 percent of the cost of routine preventative care, 80 percent for fillings and other basic procedures, and 50 percent for crowns, bridges and other more extensive operations.

Most dental plans have an annual dollar maximum. This is the maximum dollar amount a dental plan will pay toward the cost of dental care within a specific benefit period. These plans will cover you up to a maximum dollar amount, which is determined by the type of policy you select. Finding full coverage dental insurance means finding an option that won’t spend its maximum dollar amount before the end of the year.

Dental plans will also have “high” or “low” coverage levels. The former means you’ll pay more each month, but less when you use dental services, and the latter means the opposite. When comparing dental plans, it’s important to note each one’s costs, copayments, deductibles, and offered services.

When trying to keep dental insurance affordable, HealthMarkets Insurance Agency can help you find the full coverage you need with an array of benefit options that provide access to network providers. While it’s impossible to know how many visits to the dentist you’ll make in a year, it’s easy to come up with an affordable dental plan that will cover every anticipated checkup and procedure. Contact us today at (800) 360-1402 to find a full coverage dental insurance plan that will fit your budget and meet your needs.

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Sources:

http://www.mayoclinic.org/healthy-lifestyle/adult-health/in-depth/dental/art-20047475
http://fairhealthconsumer.org/reimbursementseries.php?id=16

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