Dental insurance coverage comes in many sizes, shapes and prices. Some plans have waiting periods, deductibles and co-payments. Depending upon your dental situation and that of your family, you can choose a plan that fits your situation.
Many of us are becoming more familiar with the concept that has been introduced to us through the exchange system where we are able to compare different levels of coverage and the costs that are involved. Actually, we had that capability before, but it may not have been so readily organized as it is now.
If you purchase a plan that has lower premiums, you will probably have more in the way of waiting periods, higher deductibles, and co-payments. There may also be restrictions on the plans too, but you may be willing to go with that in order to get the lower premium costs.
Most dental plans on the market will limit coverage to $1,000 to $1,500 per year, which minimizes the claims exposure for the insurance company.
The Spirit Dental family insurance plan allows the policyholder to choose what kind of plan they want, as well as an option to choose their own dentist. The plan also covers implants as well as allowing up to three cleanings per year, as opposed to the normal two that some plans allow. Two exams are also allowed free per year.
The choices for the maximum coverage amounts range from $1200, $2500 or $3500 per year. This plan is perfect for families that do not have dental coverage and may be searching for a plan that is more cost effective.
What people need in the way of information on dental coverage is access to explanations, coverage and pricing so that they can begin to understand how different products work and fit into their budget. The average consumer is simply not schooled in these things, and until they can see how the different plans compare, they will have no clue as to what will work for them.
With dental expenses running sometimes into 5 figures, some procedures have to be carried out partially in one year, and the rest completed in a following year, just to have insurance cover the expense.
Whether it is a family needing coverage, a couple, or a single individual, there are many resources that show what is available to them. Simply said, a resource that illustrates the different companies, their options and prices is of great help and benefit to the consumer. In a family situation, dental health is very important as children grow up needing the right kind of dental care, possible braces and ongoing treatment and maintenance.
If people are armed with the correct knowledge in regard to the dental insurance coverage that is available, they will be better able to make the right decisions for themselves