Dental Health Plans
Dental health also contributes to your overall health and well being. There are many health issues caused by poor dental health. Dental insurance will cover 100% of the cost of two annual cleanings and exams and one set of x-rays. This will give the dentist on opportunity to detect and correct minor issues before they grow into major expenses. And if crowns, root canals or oral surgery is required, it will greatly reduce your cost. Dental plans are available as HMO plans (which require you to stay in network) or PPO plans (in which you can go out of network). There are many dentists that don’t take any dental insurance. If you wish to use one of these dentist then only a PPO plan will give you any benefit.
In looking at dental insurance there are two major areas of concern.
- The annual maximum benefit. This is the most the insurance company will pay on your behalf in a calendar year. For the last 15 years or so most plans have had a maximum benefit of $1,000, yet the cost of dentistry has continued to rise. Therefore, I recommend looking at a plan with a $1,500 annual benefit.
- Waiting period. Most individual dental plans enforce a 6 month waiting period for basic services (fillings, simple extractions, space maintainers, etc.) and a 12 month waiting period for major services (crowns, root canals, oral surgery, etc.). There are a couple of dental plans that will eliminate those waiting periods if you have continuous dental insurance.
There are several dental insurance providers to choose from. If you wish to get an idea of cost, please click on the link below for a quote on the Ameritas PPO dental plan. Ameritas is one of the companies that will eliminate the waiting period for basic and major work if you have had continuous dental insurance. And they offer a $1,500 annual maximum benefit. If you wish to look at other options, please contact our office.