Dental insurance is a type of insurance that you should really think about getting. A lot of people do not think of dental insurance the same way that they do car insurance or health insurance. The truth of the matter is that dental insurance is just as important as any other type of insurance you need to have in order to protect your health. You might be wondering though how much dental insurance do I need? This is an important question that not many people think about before making a final decision on dental insurance. Here are some tips that can help you figure out how much dental insurance you need.
In terms of dental insurance, dental HMO plans are some of the least expensive plans out there. These dental insurances require you to visit an in-network provider if you want the insurance to pick up a majority of the bill. If you do not go with an in-network provider then you are stuck with the entire bill for those services. The costs with HMO plans are often predictable, with there being a set cost for exams, fillings, crowns, and so forth. If you are someone who wants to just pay for the dental care you need and no limits on coverage, this is the best option for you.
A dental PPO is usually a dental insurance that is provided to you by your employer. The premium for a dental PPO, which is the monthly fee, is higher than with the HMO plan. The cost is also more expensive because PPO coverage is typically divided into various classes of dental care. For example, preventative care is covered 100%, but only 80% for basic restorative care. If you are looking at the possibility of getting some major work done like bridges, then the insurance only covers 50% of the costs. With a dental PPO, you might be looking at coverage limitations, but the in-network providers list is bigger.
Dental Services Classes
If you are trying to figure out how much dental insurance you need, you have to think about the work you need done. Most insurance companies have this divided into dental classes, which means the lower the class the less work you need on your mouth. Class 1 is the least expensive class, which covers all preventative and diagnostic care such as exams, cleanings, and X-rays. Class 2 is for root canals and other basic restorative care services, and it is the second-least expensive option. Class 3 is for bridges, crowns, and other major restorative work, and it is one of the more expensive options for no waiting periods dental insurance. Class 4 is for braces and other orthodontia, and this is often the most expensive and least covered through basic dental insurance plans.
If you are trying to figure out how much dental insurance you need, the biggest thing you need to do is know what work you need done. You must determine whether you want a basic coverage just for preventative care or something more expensive for the restorative care. dental