It is important that you do seek dental coverage of some kind to ensure the health of your teeth and gums. Unfortunately, if you have to pay the full cost of dental care, you may find it difficult paying your dentist bills. Perhaps even more seriously, without dental insurance coverage, you may be tempted to skip regular cleanings and checkups, a decision that could lead to serious dental health problems.
How It Works
For a specific monthly rate or “premium”, you are entitled to certain dental benefits, usually including x-rays, cleanings, regular checkups, and certain services that promote general dental health.
Similar to medical insurance plans, dental insurance plans are often categorized as either Indemnity or managed-care plans. The major differences concern out-of-pocket costs, choice of dental care providers, and how bills are paid. Typically, Indemnity plans offer a broader selection of dental care providers than managed-care plans. With an indemnity plan, the carrier pays for covered services only after it receives a bill, which means that you may have to pay up front and then obtain reimbursement from your insurance carrier later.
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