If the cost of your routine check-ups with the dentist has recently been creating a hole in your pockets, then probably you should start finding a way to cut back on these expenses. Although it does not necessarily mean that you should stop seeing your dentist completely, having “financial backup” can help you save a lot without having to sacrifice your orthodontic needs. This is where you can definitely take advantage of a supplemental dental insurance plan.
The supplemental dental insurance plan was conceived to serve as a substitute for the out-of-pocket payments during dental visits. Apparently, most people find it hard to pay for the dental services that are not covered by their individual or employer-based dental insurance policies. Hence, as “supplemental” as it was named, this plan helps the patients in obtaining a “holistic” dental health care.
It must be understood that a supplemental dental insurance plan is not intended to replace the existing health or dental plans. Rather, it simply acts as a secondary insurance that will cover for the dental service charges, which are way beyond the usual coverages in standard policies. For example, most insurance companies won’t pay for a dental implant because it is regarded as part of the cosmetic dentistry; thus, it is not practically endorsed as a corrective dental treatment. For this reason, you may consider applying for a supplemental insurance so your expenses for the said procedure are still covered.
There are at least two popular types of supplemental insurance for dental health that exist today. These are the discounted dental plan and the Preferred Provider Organization (PPO) dental insurance. Both insurance policies have their own set of features that can help individuals in making their decisions regarding the right kind of coverage to apply for. Basically, the main difference of these two plans is the cost of their monthly premiums.
In a discounted dental plan, the policyholders are provided with their requested dental services for a discounted rate. Although it sounds like it is merely a discount coupon for patients, this insurance plan could easily transform the expenses into savings by deducting a reasonable amount from the standard cost of a dental procedure. The monthly premiums for this plan are generally around $5 to $10.
On the other hand, PPO is a supplemental dental insurance plan that works by providing the members with dental services from its established network of dental practitioners. However, if the patient prefers to be treated by a certain dentist who is not enlisted to the network, he may still avail of the insurance benefits provided that he agrees for a co-payment. Its monthly premium can range from $15 to $25.
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