People with a turbulent dental history are advised to purchase dental insurance or join the discount dental plan for the simple reason that dental bills can turn out to be very steep. Millions of Americans are undergoing root canal and cavity procedures despite the fluoride in drinking water. Dental health in the USA has not been of a very high standard for decades. Dental health depends on a variety of factors including dental hygiene, stress, personal eating habits, nutrition etc.
Programs of dental coverage available are Indemnity Plans, Preferred Provider Plans, HMO Plans and Discount Plans
Dental Indemnity Insurance Plans
This is normal, traditional insurance coverage plans where you get a percentage of your dental bills covered for a monthly fee or premium. Usually indemnity plan covers 100% of preventive services, 80% of restoration services and 50% of major treatment like orthodontics.
Dental Plans Preferred Provider
These plans cost an average of $ 40 per month and give you highly discounted rates of dental procedures within a particular network. Some of the benefits are available outside the network also. This plan is regulated by state insurance departments and fall in the insurance category.
HMO Dental Insurance
These insurance plans are also known as capitation plans. They operate like UPS Health (HMO). It is also governed by state insurance department and cost between $ 20- $ 40 per month.
Dental Discount Plans
Dental discount plan like clubs where you get the best deals when you show your membership card. This is again based network. They provide the best value to individual and family memberships. This membership is only purchasing a discounted access to a network dentist and is not considered insurance.
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