Dental Plans versus Dental Insurance

Most people try to visit the dentist at least twice a year for check-ups and routine cleaning. Unfortunately, a lack of healthy oral hygiene and diet can cause painful toothaches which require more frequent visits to the dentist. Dental insurance is beneficial to help prevent cavities and tooth decay. In most cases, companies offer their employees dental insurance for a small monthly premium. By paying approximately $25.00 a month, you will be able to receive at least $1000 in dental insurance benefits each year. Although dental insurance is great to have, some people cannot afford it. If this is the case, there are additional affordable alternatives available. Several plans are accessible that will be sure to meet your needs and financial position.

Dental Plans versus Dental Insurance

Dental plans differ from dental insurance in several ways. With a dental plan, you will receive discounts on root canals, crowns, bridges, and other dental procedures for a monthly fee. Here are a few benefits of having a dental plan versus dental insurance.

  • No rejections. In most cases, insurance companies can turn down individuals for pre-existing conditions. Dental plans allow you to receive proper dental care and procedures with no rejection from previous conditions.
  • Low monthly premiums.
  • Easy to switch plans.
  • No waiting period. Once you have a dental plan, you can use it immediately, unlike some dental insurance.

Types of Dental Plans

Dental insurance plans are classified into a three different categories, including indemnity plans, PPOs, and HMOs. Indemnity dental insurance plans are traditional forms of dental insurance. The plan allows you to select a dentist of your choice without a penalty. Participating or Preferred Provider Plans (PPOs) are similar to indemnity plans. A list of dentists that have agreed to a a pre-set fee will be given to the patient. Dental Health Maintenance Organization are plans where the patient chooses a participating dentist in order to obtain the benefits. The two types of HMOs include capitation and fixed fee for service. Capitation is when the dentist accepts a small monthly payment for each patient they are assigned. Fixed fee for service plan provides a fee schedule for the patient they see. The fee schedule sets the fees so that the dentist can cut costs.

Our comprehensive services make it possible for you to achieve the outcome you want no matter what your dental goals may be.

Call Hyde Park Dental today for all of your Logan dental needs! We are happy to answer your questions and help you build a custom dental plan for all of your oral health needs.