The need for
Dental
is very crucial as
people are becoming
aware of the fact that
the costs involved in
taking care of the
teeth and gums are very
expensive. In
order to be healthy and
to take good care of
the teeth, dental
can be very reasonable
and levelheaded
precaution.
Dental
normally covers the
examination of the
teeth, checkups and
dental fillings.
Dental
is as important as the
life
coverage plans, home
and car
since every one needs
good teeth for speaking
and eating.
Doctors are now
emphasizing the need to
keep the mouth and
teeth clean and healthy
as they may lead to
heart disease.
<b>Types of
dental
insurance:</b>
There are several kinds
of dental care plans
and dental
that can be availed as
a private dental
or individual dental
plan or offered as
benefit to the employee
by the employer called
the corporate dental
insurance. Some
may only provide
coverage to dental
cleanings and
examinations while some
provide
coverage to dental
procedures too.
Some dental
policies can also be
availed as family
dental
plans. The costs
of these dental
policies are low, yet
effective and vital to
all.
Capitation dental
type involves paying
the dentist a fixed
amount for each patient
registered. In
turn the dentist will
give a free routine
dental care, but then
the clients need to pay
a certain amount for
every visit and the
coverage of non-routine
work will depend on the
kind of dental
policy taken by
them. This type
of dental
coverage is quite
affordable and can be
paid as monthly
premium.
If a person opts for an
indemnity dental
plan, he is free to
select his own dentist
which means that the
cost of any dental work
carried out will be
reimbursed by the
provider.
Normally 50
percent 80
percent of the cost
will be covered by the
dental
policy and the
remaining amount has to
be paid by the
policyholder. The
main disadvantage of
the indemnity dental
policy is that they
only cover certain
procedures that have
been mentioned in the
policy document and
deductibles for
non-preventive work can
be very high.
Greater extent of
reduced rates on dental
care is possible
through the preferred
provider dental
policy that will
provide dental care
from the participating
dentists. If the
policyholder uses the
service of
non-participating
dentists the benefits
can be reduced to a
greater extent.
The employers provide
corporate dental
policies to their
employees as additional
benefit. The extent of
the coverage depends on
the policy and can
differ from employer to
employer. There
is also an annual limit
for claiming the amount
for such
policies.
Private dental
policies allow the
policy holder to choose
the dentist from whom
he would like to get
treated, also the
premium of such
policies do not rise
with aging.
Before utilizing the
dental services the
policyholder should
have registered before
3-6 months depending on
the plan. The
premium can be paid
monthly, quarterly or
annually. Lots of
companies have sprung
due to the demand for
dental
by people who are not
covered by their
companies.
