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Dental Insurance From Harmony Health Insurance

Many consumers are unfamiliar with dental insurance plans. A lot of medical insurance plans don’t include dental coverage. Small business health insurance often avoids any form of dental insurance coverage in order to save on the overall cost.

For many years, paying out of pocket for dental care wasn’t that difficult. Most people visit their dentist once a year or so, and the cost for a routine cleaning and evaluation wasn’t that high. That’s no longer the case. It’s now quite common for dental bills to run into the thousands. This is especially true for emergency dental service. If you don’t have dental insurance, you might not be able to afford dental care just when you need it most.

The goods news is that dental insurance is quite affordable, and there are many different kinds available. You’re sure to be able to find a plan that safeguards you from a big, unexpected bill while keeping the monthly cost low. All you have to do is shop wisely, and then enjoy the peace of mind that comes with rock-solid dental insurance coverage. Here’s some handy information to make your choice easier:

Important Dental Insurance Concepts

Deductibles

Dental plans vary. The most common plans have a hard dollar figure for your deductible. Deductibles are calculated throughout your payment period. For instance, if your insurance plan is issued yearly, you’ll have a yearly deductible that must be met before your insurance will cover your bills.

Not all plans make you pay your entire deductible before insurance kicks in. Others apply deductibles differently to different dental services. For instance, routine cleanings might be treated differently than an emergency root canal. Ask your health insurance agency to explain your deductibles so you understand exactly what you’re buying.

Maximums

To keep costs low, many insurance plans have a maximum yearly dollar amount for benefits. You’ll have to pay anything over and above the maximum. In practice, this rarely is a problem. Even very affordable dental insurance policies usually have very high maximums. If you need a lot of dental work, you can usually spread your care over a period of two years to avoid hitting the maximum.

Exclusions

Insurance companies need to understand what they’re insuring so that they can set their rates. In the same way, you need to know what you’re entitled to for the money you spend on insurance. Be sure to have your health insurance broker explain any exclusions on your policy. That will help avoid disputes and misunderstandings when you receive dental care. The most common exclusions draw a line at wholly cosmetic procedures. If you’re willing to pay a little more, even these can be included with the proper policy.

Co-Insurance

Few people call co-insurance by its full name. It’s a co-pay. Co-pays refer to the amount of money you’ll be required to pay on every bill from the dentist. This can be a nominal amount, or a much larger portion of the bill, depending on your policy. Larger co-pays mean a cheaper monthly insurance payment.
Some dental insurance policies don’t require co-pays. If you’d rather not deal with any payments when you visit your dentist, they’re a great choice.

Pre-Treatment Estimates

Before receiving treatment, you may need to get an estimate for dental work and present it to your insurance company for review. This isn’t necessary for routine care. If your dentist office accepts your dental insurance, it means they’ve agreed to abide by a schedule of fees for things like a regular cleaning or x-rays. It’s only when you need to have a lot of work done on your teeth that you’re required to get an estimate first.

A Policy for Every Budget

Dental insurance is a great way to limit your risk of a dental bill you can’t afford to pay. This type of insurance makes it much easier to plan your yearly dental expenses without worrying about one-time outlays like emergency care. Dental plans also encourage regular trips to the dentist for routine care. That keeps your teeth in better condition than if you only go when there is a problem.

If you’d like to learn more about all the different types of dental insurance you can buy, contact Harmony Health Insurance Services in Santa Monica today. They have many plans to choose from, and they’ll help you make the right choice.