insurance Article:

Dental Insurance – An Overview
By Lesley Lyon
The need for Dental insurance 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 insurance can be very reasonable and levelheaded precaution.  Dental insurance normally covers the examination of the teeth, checkups and dental fillings.  Dental insurance is as important as the life insurance coverage plans, home insurance and car insurance 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 insurance that can be availed as a private dental insurance or individual dental insurance 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 insurance coverage to dental procedures too.  Some dental insurance policies can also be availed as family dental insurance plans.  The costs of these dental insurance policies are low, yet effective and vital to all.  

Capitation dental insurance 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 insurance policy taken by them.  This type of dental insurance coverage is quite affordable and

can be paid as monthly premium.

If a person opts for an indemnity dental insurance 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 insurance provider.  Normally 50 percent  – 80 percent of the cost will be covered by the dental insurance policy and the remaining amount has to be paid by the policyholder.  The main disadvantage of the indemnity dental insurance 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 insurance 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 insurance 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 insurance policies.

Private dental insurance 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 insurance companies have sprung due to the demand for dental insurance by people who are not covered by their companies.