Dental
insurance is designed with the emphasis on preventive care.
Dental benefits are written to encourage patients to get
regular, preventive care to prevent serious dental problems.
Most dental benefits though require the patient to assume a
greater portion of the costs for treatment of dental problems
than for preventive procedures.
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Dental
plan coverage for individuals is not commonly offered.
However, there are a few companies that offer a form of dental
benefits for individuals. Most of these plans are "referral
plans" or "buyers' clubs." Under these types of plans, an
individual pays a monthly fee to a third party in return for
access to a list of dentists who have agreed to a reduced fee
schedule. Payment for treatment is made from the patient
directly to the dentist. The third party acts only in the
capacity of matching the individual to the dentist. The dentist
receives no payment from the third party other than in the form
of referral of patients.
What you
should look for when choosing a plan:
Does the
dental plan give you the freedom to choose your own dentist or
you have to choose from a list provided by the insurance
company?
Who
controls treatment decisions – your dentist/you or the dental
plan?
Does the
dental plan cover diagnostic, preventative and emergency
services?
What
routine care is covered by the dental plan?
What
share of the cost is yours?
What
major dental care is covered by the insurance plan?
Does the
dental plan allow references to specialists?
