Supplemental Dental Insurance
A common mistake that many people make about there dental care is they think it will be covered by their regular health insurance plan. Even though most notable HMOs offer some type of dental coverage, not all health insurance plans cover your dental needs. Many families have various types of dental plans to help cut some of the out of pocket expenses.
There are many types of varieties of supplemental dental insurance plans that are meant only to help with the expenses that your primary dental insurance may not be able to cover. There are also dental discount plans that lower the costs for their members, however this is not actually dental insurance and you need to make sure you understand how the discount card actually works. They only help to lower the cost of your dental care and the services provided to you by a dentist that is a member of your discount plan.
Many discount plans come with a cost that is per person and can be as low has $5 a person. There is also discount dental plans for students. Many colleges have adopted these dental discount plans because most dental insurance company s do not cover children once they turn 18 years of age. Dental discount plans only cover a limited amount of cleanings, x-rays, and routine fillings and emergency dental treatment. These treatments may be covered by a supplemental dental insurance policy. Student supplemental insurance can cost any where from $125-$175 per student.
You also have your preferred provider of dental insurance which is selected by many people, with the preferred insurance one can choose any dentist who is in your dental care network and you can also change dentists whenever you want to, for any reason that you may have. The preferred provider insurance pays a flat fee for any kind of service that you may have, and you cover the rest out of your pocket. The preferred provider insurance varies from $15-$20 per month.