Dental insurance is often one of the most overlooked aspects of health coverage. While it may not be quite as essential as a general health insurance plan, having a dental plan can be incredibly beneficial for you and your family. Many medical insurance plans will have an affordable dental coverage option that will help cover the costs of most dental procedures. Let the experts at Brines Insurance help you through the process!
When choosing a dental insurance plan it is important for you to understand why one plan may differ from another. There are two main options when it comes to dental coverage which gives you the option of choosing between an HMO or PPO plan.
Just like with your health insurance policies, dental insurance works with premiums, deductibles, and other cost processes. You will pay a monthly or annual premium, and depending on the premium amount, your out of pocket expenses will fluctuate accordingly. The higher your premium the lower your deductible for dental procedures such as regular cleanings, fillings, root canals, and extractions. With lower premiums, the out of pocket expenses for each visit to the dentist will be higher.
If you or your family do not expect to need to visit the dentist for more than just regular cleanings, then a lower premium plan will most likely fit your needs better. Whereas if you or your family are in need of dental procedures such as wisdom teeth extraction, cavity fillings, or crowns, then a higher premium will bring down the out of pocket costs for these procedures.
At Brines Insurance, we understand that choosing a dental insurance plan can be complicated and confusing. If you have any questions about which plans will fit you and your family’s needs as well as fit into your budget, please give our insurance experts a call today!