Find The Right Dental insurance
The office of The REAL Insurance Lady receives several calls and requests every day about dental insurance.
Affordable Dental Insurance
Dental insurance can be very tricky. Before you consider purchasing dental insurance make sure you understand the basics.
There are 3 categories of services:
- Preventative – Exams, cleanings, and fluoride treatments
- Basic – X-Rays, fillings and simple extractions
- Major – Oral surgery, endodontics (root canals), periodontics (dental implants and gum-related), crowns, bridges and dentures
- Waiting Periods – how long will you have to wait to use certain categories of services. Most plans require a 1 year waiting period for major services.
- Annual Maximum – how much will the insurance cover in a 1 year period.
- Policy Year – is it a calendar year or the date that the coverage began. This will impact your waiting period.
- Network — which doctors accept the insurance.
- Discount Plan or Insurance — discount plans are NOT insurance.
Frequently Asked Questions
- ObamaCare is called the Affordable Care Act.
- ObamaCare is a series of laws that standardize health insurance. Think of it like car insurance.
HMO VS PPO
|¨ Cheaper||¨ More Expensive|
|¨ Requires a referral||¨ No referral needed.|
|¨ MUST go to doctors and hospitals in the network.||¨ Can go to any doctor or hospital.|
Contact the Member Services or call our office. The number is on the back of your health insurance card.
Premium is the amount you pay EVERY month to keep your insurance.
A Co-payment is the amount you pay for covered services at the time you receive care.
Co-insurance is a percentage (%) you pay for a covered service.
Answer goes here.
Out-Of-Pocket Maximum is the most you will pay for the year. It includes all of the co-pays, co-insurance, and deductibles for medical and prescription services. If you reach it, all services are covered at 100%.
A deductible is the amount you pay before the insurance will pay. NOT all services require a deductible to be paid. For example, going to the doctor does NOT require a deductible to be paid with most plans.