Important factors while finalizing a dental insurance plan

The employee must ask the following before finalizing a plan:

Would the employees like to retain the freedom to choose their own dentists?

Does the mode of treatment is determined by the patient and the dentist?

What type of routine dental care and prevention is covered? The coverage plan braces, oral surgery, crowns and bridges, root canals and treatment of periodontal disease?

The pattern of coverage of all diagnostic services, preventive and emergency? Including preventive services ie. sealants and fluoride treatments, which could result in financial savings for the patient in the future? Does it provide full mouth X-rays?

What forms of major dental care is covered? The plan covers implants, dentures, or treatment of temporomandibular disorders?

The plan will allow referrals to specialists? If so, has the dentist be limited to "the" list of specialists to choose form?

The plan provides for an emergency? What are the arrangements for emergency care when the patient is on tour?

What percentage of monthly premiums goes into actual care and not to administration?

insurance dental insurance benefits must be considered, but should not be the deciding factor in choosing treatment.

Dental Insurance Plan Models

There are many dental plans available. Essentially, they are of two kinds:

Managed care and fee-for service.

Managed care dental plans are restricted forms of dental insurance that reduce costs and payments. They tend to restrict coverage by limiting access to care by the restrictions (by pre dentist, specialist, hospital or treatment in the form of lists) and restricting level, type and frequency of treatment (usually in the form of terms of policy coverage).

Fee-for-service dental plans have a choice of options where you can choose your own dentist and fees are paid as fixed by the dentist. ... ... .. (Go to Part 3)