According to the National Association of Dental Plans, more than 70% of Americans have some form of dental insurance. Of course, knowing the ins and outs of your dental insurance coverage will enable you to take full advantage of your policy. For instance, while most Medicaid policies exclude dental care for adults, children can comfortably access the service under these plans.
Here is a look at some important facts that will help you understand your dental insurance coverage.
- You Can Choose Your Preferred Healthcare Provider
Dental insurance policies give you the freedom to pick your preferred healthcare provider. The insurance company does not limit you to seeking services strictly from the providers in the network. Even so, the healthcare provider you choose should depend on the limits you have on your dental insurance coverage. For instance, if you seek services from a provider that charges exorbitantly, you may exhaust your dental insurance coverage limits and have to pay the balance out of pocket.
- Out-of-Network Coverage May Still Be Available
Most health insurance plans do not provide coverage for healthcare services sought out of the network. This means that you have to stick to the list of providers stipulated in your policy. The good news is that out-of-network does not necessarily mean out of coverage in dental insurance. In other words, your dental insurance plan will still cover your expenses for out-of-network services, only that the coverage limit may reduce. However, each insurance company has its policies concerning out-of-network coverage.
- Each Dental Insurance Policy Is Unique
At least 60% of American adults have dental insurance. However, insurers generally customize policies based on clients’ specific needs, meaning the features and benefits vary from policy to policy. Keeping this in mind, it is prudent to understand your policy well to take full advantage of the available benefits. For instance, some dental insurance plans provide coverage for dental implants and preventive care such as teeth cleaning and dental check-ups. Also, the coverage limits vary from one policy to another depending on the policyholder’s agreement with the insurance company.
- You Can Get Dental Insurance from Your Employer
While no law in the U.S. requires employers to provide dental insurance for their employees, this coverage has of late been a common strategy used by businesses to attract and retain top talent. More employers are now opting to offer dental benefits such as group dental insurance, teeth cleaning, and general oral care packages to their workers. For instance, 40% of private industry workers and 60% of federal government employees had access to dental-related group benefits. This means that you can also get dental insurance through your employer. Even better, employment-based dental insurance is relatively cheaper than private dental insurance. Unfortunately, not every employer in the U.S. offers this coverage.
How to Find the Right Dental Insurance Plan
When looking for the right dental insurance coverage, don’t hesitate to contact the experts at Donald Weiss Insurance Services. Our dedicated team is ready to assist you with all your dental insurance needs.