{"id":765,"date":"2019-12-26T16:36:59","date_gmt":"2019-12-27T00:36:59","guid":{"rendered":"https:\/\/www.insureone.com\/knowledge-center\/?p=765"},"modified":"2020-01-07T15:29:04","modified_gmt":"2020-01-07T23:29:04","slug":"how-does-dental-insurance-work","status":"publish","type":"post","link":"https:\/\/www.insureone.com\/knowledge-center\/employee-benefits\/employee-benefits-basics\/how-does-dental-insurance-work\/","title":{"rendered":"How Does Dental Insurance Work?"},"content":{"rendered":"\n<p>There\u2019s nothing worse than having a toothache, a chipped tooth, or\nteeth that have started to decay but no money to have the problem fixed.\nUnfortunately, that\u2019s the reality for millions of people. On a positive note,\ndental insurance not only is widely available but also has become more\naffordable.<\/p>\n\n\n\n<p>Today, you can find a variety of dental plans, some that offer\nfull coverage. That means you can have more than just a cleaning done.<\/p>\n\n\n\n<p><strong>Types of Dental Insurance Plans<\/strong><\/p>\n\n\n\n<p>As stated, there are different dental plans available, and your goal\nis to select the best dental insurance specific to your needs. For example, if\nyou\u2019re a single person, there\u2019s a chance that you can afford to pay a higher\npremium each month. However, if you have children, you probably want to focus\nmore on dental discount plans, as well as those that cover orthodontic\nprocedures. The following represent the most common dental insurance options.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Preferred\nProvider Organizations (PPOs)<\/li><li>Direct\nReimbursement (DR)<\/li><li>Point of\nService Plans<\/li><li>Dental\nHealth Maintenance Organizations (DHMOs), also referred to as Capitation plans<\/li><li>Referral\nor Dental Discount Plans<\/li><li>Schedule\nor Table of Allowances Plans<\/li><li>Exclusive\nProvider Organizations (EPOs)<\/li><\/ul>\n\n\n\n<p><strong>How Do These Dental Insurance Plans Work?<\/strong><\/p>\n\n\n\n<p>Keep in mind that these types of dental insurance cover much of the same treatments. That includes preventative care, such as examinations, x-rays, and regular cleanings. They also cover nonemergency services, like cavities, tooth extraction, and pain relief. These are considered full coverage dental insurance. Some plans do include emergency services, as well as orthodontics, but they\u2019re more expensive. One other thing: Dental plans are broken down into two primary categories \u2013 individual and group. Individual insurance is a policy that you would purchase yourself. In comparison, group insurance is what a company offers to its employees. Regardless, for the most affordable dental insurance, it\u2019s worth looking at several different plans and dental professionals. <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Preferred\nProvider Organization (PPO)<\/strong> \u2013 This\nconsists of a network of dentists that work under contract with an insurance\ncompany. For set fees, they provide a list of specific services.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Direct\nReimbursement (DR)<\/strong> \u2013 When\nsearching for affordable dental insurance, this is one option to consider. In\nthis case, the benefits aren\u2019t based on the type of treatment but instead, the\namount of money you spend. As this is self-funded insurance, after paying the\ndentist directly, you provide your employer with the receipt. Then, your\nemployer reimburses you a percentage of what you paid. <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Point of Service\nPlan<\/strong> \u2013 This dental\ninsurance involves an arrangement where you can choose a dentist\nout-of-network. Overall, that gives you more options and the opportunity to\nspend less. You would have to seek treatment at a contracted office. However,\nthere\u2019s a benefit to this. You would receive the contracted services free of\ncharge or at a nicely reduced price.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Referral\nor Dental Discount Plan<\/strong> \u2013 Rather\nthan \u201cdental insurance,\u201d this is a plan you can purchase to see a contracted\ndentist. One reason many people consider this the best dental insurance is that\ndental professionals offer discounted fees.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Schedule\nor Table of Allowances Plans<\/strong> \u2013 These dental insurance plans are indemnities. As a result, you\npay a set amount for each treatment regardless of what it actually costs.\nOften, these dental discount plans are associated with contracted dentists, but\nthere\u2019s typically a maximum rate they can charge.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Exclusive\nProvider Organization (EPO)<\/strong> \u2013 To use\nthis option, you would have to become a subscriber. By doing so, you\u2019ll receive\nreimbursement if you go to a participating dentist. The biggest downfall with\nthis dental insurance is that it significantly limits your access to dental\ncare.<\/li><\/ul>\n\n\n\n<p><strong>What\u2019s the Cost for the Best Dental Insurance?<\/strong><\/p>\n\n\n\n<p>For employer-sponsored dental insurance plans as an individual,\npremiums cost between $15 and $30 per month on average. For family coverage,\nthat increases only slightly to $25 to $55 a month. That means yearly, you\u2019d\npay about $250 a year for yourself versus $400 a year for a family consisting\nof two adults and two children.<\/p>\n\n\n\n<p><strong>The Bottom Line<\/strong> <\/p>\n\n\n\n<p>When you consider how much quality dental care costs without insurance, it\u2019s easy to see why coverage is so important. In response to the question, \u201cIs dental insurance worth it?\u201d The answer is a resounding, \u201cYes.\u201d <\/p>\n\n\n\n<p><strong>Get a Free Dental Insurance Quote<\/strong><\/p>\n\n\n\n<p>If you are buying individual dental insurance or group dental insurance for your business or organization, call InsureOne. We make the process easy. We shop around, so you don&#8217;t have to. Because we work with the top insurance companies in the country, we can give you a free dental insurance quote that is customized to meet your needs. Call us now at <strong>(800) 836-2240<\/strong> for your free dental insurance quote.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There\u2019s nothing worse than having a toothache, a chipped tooth, or teeth that have started to decay but no money to have the problem fixed. Unfortunately, that\u2019s the reality for millions of people. On a positive note, dental insurance not only is widely available but also has become more affordable. Today, you can find a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[76],"tags":[],"class_list":["post-765","post","type-post","status-publish","format-standard","hentry","category-employee-benefits-basics"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/765"}],"collection":[{"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=765"}],"version-history":[{"count":8,"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/765\/revisions"}],"predecessor-version":[{"id":838,"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/765\/revisions\/838"}],"wp:attachment":[{"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=765"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=765"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=765"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}