Personal Dental Insurance

Having dental insurance is not a guarantee that you will be allowed to have the procedures that you want or need.  There are some insurance carriers who are difficult to work with.  They will deny your claims and cause stress for both you and your dentist.  Here are some facts about dental insurance that you need to be aware of:

1. Your dentist cannot make your insurance pay.  This is because dental insurance is a contract that is made between your employer and your insurance company.  So, whenever you have questions, you should call your insurance carrier yourself.
2. Dental insurance is not going to pay for everything.  It is only meant to be an aid.  Most policies have a $1,000 a year per patient cap. 
3. Even if you have 100% coverage, your dentist may not get 100% of his fee, which means that you will have to pay the difference. 
4. If you and your spouse have policies with the same carrier through your employer, the insurance company is not required to use the second policy to pay for any uncovered costs, as would be the case if you have coverage from 2 different carriers.  However, if you and your spouse have different carriers, then you can use both insurances to cover most, if not all, of your dental fees.
5. Many routine dental services are not covered by insurance companies.
6. Your insurance carrier is not responsible for paying for dental work that has not been pre-authorized, even if it is an emergency.  This is why you need to make sure that your dentist’s office files for any pre-authorization that may be necessary before you agree to have the procedure done.

So, now you may be wondering exactly what a dental plan covers.  Well, a dental plan is a network of dentists who will give you discounts on almost every dental procedure that you could possibly need.  This is meant to help you and your family maintain your oral health and reduce your dental care costs.  Herein it really is possible to save a lot of money on dental bills, it just depends upon your dental needs.

Thankfully, you will find that dental plan premiums are very affordable.  There are some plans that only cost $79 per year for an individual.  You can even find dental insurance for your family for $99 per year.  Regardless of which plan you choose, you can usually begin using the plan within 2 days.  This is because there are no paperwork hassles and no waiting period with many of these policies.

If you are searching for an affordable personal dental plan, one of the best ways to find one is to go to a free dental insurance plan web site.  Here you will be able to get competitive prices for the dental plans that are available in your area.  Most of the time you will be able to easily recoup your investment in just 1 or 2 dental visits.

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