- Why Do I Need Health Insurance?
- What to Look For in Healthcare
- Saving Money On Healthcare
- Blue Cross Blue Shield Plans
- Why Blue Cross Blue Shield?
- Health Savings Accounts
- Short Term Plans
- Dental Care
- Insurance For Students
- Insurance For Small Business
Your Dental Insurance Options
Your dental plan has to be right for you… it’s very important to feel comfortable with a plan’s coverage and affordability.
Here are some of the most popular dental plans:
Dental HMOs
A dental Health Maintenance Organization (HMO) is a managed care plan — you’ll find your dental care with a “network” of dentists and other dental care providers. HMO plans can keep your dental expenses low. But to stay covered, you have to receive dental care from providers within the network.
Dental HMOs are one of the least expensive plans because of their low premiums and low co-payments. And in an HMO, you usually won’t have to pay a deductible.
While most of what you’ll need will be covered, some of the more expensive procedures will need approval by your HMO.
Dental PPOs
A dental Preferred Provider Organization (PPO) is very similar to a dental HMO, but a PPO plan offers more flexibility — you have more choice about the dental care providers you can visit.
Both PPOs and HMOs have their network of care providers, but HMOs only offer coverage within the network. With a PPO plan you can go outside of the network and still have your dental expenses covered. But many times going to an outside dental care provider will mean higher co-payments and deductible payments — staying with your PPO’s network will almost always be less expensive.
When you're choosing between a PPO and an HMO, ask yourself: Do I want more flexibility or a lower price?
Dental Indemnity Plans
Dental indemnity plans are one of the best dental plans you can get. They offer the most complete coverage you’ll find. They work like this — you pay for your dental care and your plan reimburses you.
Indemnity plans are much less popular than the other managed care plans because they are expensive. But indemnity plans will pay for almost any covered service from any dentist or other dental care provider, with few restrictions.
Know What You Want In Your Plan
No single plan will be absolutely perfect — but you can find the plan that best fits you, if you know what to look for.
You’ll learn even more when you get a free quote from our professional agents. They’ll help you make an educated decision and find the right plan for you. Or you can find out more about dental insurance...
