Home | insurance | FAQs On Dental Insurance

FAQs on dental insurance

Here are answers to some commonly asked question about dental insurance coverage.

What is dental insurance?
Dental insurance is a type of medical insurance that specifically addresses the coverage for some portions of expenses incurred for an insured’s dental needs. There are a number of individual, family, and group dental insurance plans available in the country.

FAQs on dental insurance

Why should I have a dental insurance policy?
Merely brushing and flossing your teeth twice a day may not be adequate to ensure your dental health. At times, a dentist’s intervention is required, be it in the form of fitting braces or implants or pulling out an infected tooth. Given the specialization that is currently seen in dentistry, most of these dentistry services will require considerable expenditure. When there are serious dental issues involved, the costs can even become prohibitive.

Dental insurance gives you a way of covering at least a significant portion of your routine and specific dental care visits.

What types of dental plans are available?
There are currently three kinds of dental insurance policies available in the country:

  • Indemnity dental insurance plan
    Under the provisions of this plan, the insurance company pays the consulting dentist or dental surgeon a predetermined portion of the total costs incurred on your treatment, while you have to pay the rest. The approval of payment will depend on the nature of the procedure, age of the policy, prior claims, and previously stated annual limitations.
  • Dental health maintenance and organization
    Also known as the DHMO plan, the dentist enters into a contract with the insurance company so that services may be subsidized for that dentist’s clients under this kind of a dental insurance plan. However, concessional fees would be subject to limitations on the kind of procedure involved.
  • Participating provider network
    This is an organization that is governed entirely by a collective of medical practitioners, health care facilities, nursing providers and hospitals, whereby the group as a whole enters into a contractual agreement with the insurance company or with a third-party administrator in order to cover a part of the fees incurred by their respective patients.
Disclaimer:
The content provided on our blog site traverses numerous categories, offering readers valuable and practical information. Readers can use the editorial team’s research and data to gain more insights into their topics of interest. However, they are requested not to treat the articles as conclusive. The website team cannot be held responsible for differences in data or inaccuracies found across other platforms. Please also note that the site might also miss out on various schemes and offers available that the readers may find more beneficial than the ones we cover.

Recent Articles

All You Need To Know About Bleeding Gums
Health & Wellness

All You Need To Know About Bleeding Gums

Understanding The Stages A Congestive Heart Failure
Health & Wellness

Understanding The Stages A Congestive Heart Failure

Deep Vein Thrombosis – Diagnosis And Treatment
Health & Wellness

Deep Vein Thrombosis – Diagnosis And Treatment

The Causes And Symptoms Of Carcinoid Neuroendocrine Tumors
Health & Wellness

The Causes And Symptoms Of Carcinoid Neuroendocrine Tumors

An Overview Of Cla Safflower Oil
Health & Wellness

An Overview Of Cla Safflower Oil

Top 10 Health Benefits Of Safflower Oil
Health & Wellness

Top 10 Health Benefits Of Safflower Oil