Types of Dental Plans

DentalTo make dental care more affordable, it is wise to have some type of dental plan in place when choosing a dentist. Whether this is dental insurance or a savings plan, having a plan can make the difference between affordable work or no option. There are several types on the market and it can be hard to determine which one is the best for a person's situation. With that in mind, here is information on different plans to assist patients in making a decision.

Dental PPO

These types of dental plans are common because they are often available through employers. Individual patients can also obtain a dental PPO by paying a monthly premium. The benefit of a PPO is that they give patients more flexibility in choosing a provider for their dental care.

There are very few limitations on which dentist a person can use, so it is possible to switch periodically or search for one that is a good fit for personality and services.

Dental HMO

A dental HMO is also an insurance plan that requires paying a monthly premium, either through an employer or individually. With an HMO, specific dentists sign agreements with the plan. Thus, patients have to visit these specific dentists. Dental HMO may be more limited than a PPO, but the cost is generally less as well.

Prepaid

Some dental groups may offer prepaid plans where patients put money into an account on a monthly or annual basis and, in exchange, can receive discounts on services.

Fee for service

Those who do not have dental plans must look for a provider who accepts cash or offers a fee for service plans. Some dentists offer cash discounts for these patients, making services more affordable. It is important to ask if cash is accepted and whether. Patients can also ask whether or not a dentist offers credit if no insurance is in place.

Discount plans

Some patients buy a discount plan in addition to insurance, or in place of it. A discount plan works by establishing the cost of each service with a dentist ahead of time. These are discounted rates that are offered to members. The remaining cost must be paid in cash by the patient, but it can save a lot of money. When choosing a dentist, it is important to ask if they accept the type of discount plan that a patient has.

Dental savings plans

A dental savings plan allows for patients to put money into an account directly out of their paycheck. This is typically done pre-tax for an additional savings benefit. There may be restrictions on how much can be put into this account annually and when the funds must be used by.

Choosing a dentist

Once the right dental plans have been selected, it is important to choose a dentist who can work with it. Be sure to inquire when scheduling an appointment to ensure that there are no surprises at billing time.

 

Recent Posts

6 Common Dental Questions About Routine Dental Care

Having routine dental care done is important in order to maintain healthy teeth and gums. A lot of people think that skipping their dental appointments or forgetting to floss won’t affect their dental health but they are wrong. Always stick to a routine and be aware of how to care for the teeth.Knowing what the…

Tips For Preventive Dental Care In Port Hueneme

Are you looking for tips for preventive dental care in Port Hueneme? Missing your brushing routine occasionally may not be something to worry about. No, your teeth will not fall out immediately, but being inconsistent with oral care habits such as brushing twice a day can predispose you more to risks of diseases, and if…

Preventive Dental Care - Tobacco Use Counseling

Tobacco use counseling has become an important component of preventive dental care. If you are addicted to cigarettes, cigars, pipe tobacco, smokeless tobacco or any other form of tobacco, you can obtain meaningful assistance through tobacco use counseling. This unique approach to preventive dental care has helped countless individuals quit smoking and enjoy improved oral…

A General Dentist Answers FAQs About Mouth Sores

Wondering if a general dentist has experience treating mouth sores? Yes, they do. Dentists not only treat your teeth, but they also treat various types of mouth-related issues like canker sores, cold sores, oral thrush and leukoplakia. Mouth sores that are caused by wearing loose-fitting dentures or a newly broken tooth often require a simple…


Recent Posts

Are Dentures Inevitable? They Don&#    ;t Have To Be

Are Dentures Inevitable? They Don't Have To Be

Dentists recommend dentures for people who have lost some or all of their natural teeth. They allow them to chew their food and speak properly while also restoring their smile. However, people can avoid having to wear dentures in the future if they take proper care of their teeth and oral health.People who lose their…

What Procedures Are Done At General Dentistry In Port Hueneme?

What Procedures Are Done At General Dentistry In Port Hueneme?

Although most people have a good idea of what general dentistry in Port Hueneme entails, there are still a lot of questions. This type of dentist cares for patients of all ages. They also provide more services than what most people think. However, many people feel surprised to learn just how versatile general dentists are.When…