A dental plan is an insurance plan that helps pay for dental care. It can help you pay for preventive care, like checkups and cleanings, as well as dental treatments, like fillings and crowns. Some employers offer dental plans, but you can also buy them yourself.
You’ll likely have to pay a monthly premium if you have a dental plan. You may also have to pay a deductible, which is an amount that you have to pay out of pocket before your dental plan starts paying for your care. Once you’ve met your deductible, you may still have to pay coinsurance, which is a percentage of the cost of your dental care that you will have to pay.
Dental plans can help you save money on dental care. Make sure to read the fine print so that you know what is and isn’t covered by your plan. Be sure to see a dentist that is in your plan’s network so that you can maximize your savings.
A dental health maintenance organization plan is a managed care plan that contracts with a group of dentists to provide care for its members. Members of dental health maintenance organizations typically pay a monthly premium and may have to pay a small fee for each dental visit.
A dental indemnity plan is a traditional fee-for-service dental plan. Members of a dental indemnity plan typically pay a monthly premium and may have to pay a deductible and coinsurance for each covered dental visit.
A dental discount plan is not insurance. Members of a dental discount plan pay an annual or monthly fee for access to discounted fees from a network of dentists. Dental discount plans typically do not have annual maximums or cover pre-existing conditions.
Exclusive provider organizations are a type of managed care plan. They contract with a group of dentists to provide care for their members, but they typically have higher premiums than dental health maintenance organization plans. Preferred provider organizations are also a type of managed care plan, but they typically have lower premiums than exclusive provider organizations.
A dental point-of-service plan is a type of managed care plan. It allows members to see dentists both in and out of the plan’s network. Members typically pay higher premiums for this type of coverage.
A referral plan is a type of managed care plan. It requires members to see dentists within the plan’s network. Members may have to pay a deductible, coinsurance, or copayment for each dental visit.
There are a few ways to get a dental plan. The most common way is through an employer. Many employers offer dental plans as part of their benefits packages. If your employer offers a dental plan, you can typically enroll in it during your company’s open enrollment period.
You can also buy a dental plan on your own. You can also buy a dental plan directly from an insurance company or broker. If you’re not sure which dental plan is right for you, you can use the tools on the internet to compare dental plans and find the one that best meets your needs.