9/26/2017

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Dental Insurance

Your teeth and gums are very important to your overall health and a good dental plan can come in handy.

If your job offers dental insurance as part of a benefits package, you should think about it very carefully. Dental plans are great, especially if you've had problems with your teeth in the past. If you haven't had major dental issues, you may want to forego dental insurance and pay for any dental work you need with out of pocket funds. In the short term, it may be cheaper but you must be careful because your teeth can develop cavities, cracks, gum disease, or other major problems at any time.

Dental coverage is especially helpful if you have a spouse and children. You, or a member of your family, may need to have a root canal which requires specialized surgery or someone in the family may require braces, caps, or full or partial dental implants, all of which are very expensive. Be careful with your dependents because benefits often vary from plan to plan. The language used in each plan is different and there may be a difference in coverage.

To take advantage of your dental coverage, read all information very carefully and ask question if there is anything you don't understand. Insurance companies offer several plans and each may have different features that may or may not be the best option for you and your family.

If your dentist is not a participant of your dental plan, he or she can still do the work and submit your claim, but if the insurer doesn't pay, you may be held responsible for all charges. That's the reason why it's very important that you make sure that your dentist is a participant in the network before you have work done. Most dentists are honest and will tell you up front if you are covered with them, but it is still up to you to make sure.

In most cases, you will have a co-pay or a specific dollar deductible that may vary from plan to plan. In some plans, the deductible will be applied to diagnostic or preventive treatments, but others will not. In certain cases, if you and your spouse have separate plans, the dentist will bill both insurers and you may not be charged a co-pay.

There is a maximum dollar amount that a dental plan will pay toward the cost of dental care. Especially important is the fact that dental benefits are often calculated within what is called a "benefit period" that is not always a calendar year. Most benefits periods are calculated between the months of January through December but in some instances, the coverage period may end in the middle of the year or on the day or month that it effectively began. This is important when approaching your deductible payments or plan maximums because you may be help responsible paying any cost that are above the annual maximum.

A dental plan as part of your benfits package is designed to cover a portion or all of your dental expenses but may not always cover all of your dental needs. Make sure that you understand if there are limitations and exclusions and how you can sign up for the best plan that fits your needs.

Medical costs can be overwhelming without the aid of benefits packages. Health and dental plans are great assets, especially for employees who have families to support.

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