Without knowing your insurance options, it can be difficult to get the dental care you need. There are many options available to most, if you know where to look for the resources. You may even already have coverage and not know it. Be sure to explore all insurance options to find the coverage that works best for you as well as your family.
Talk to Your Employer About Insurance Options
Many employers offer dental insurance options as a part of the basic benefits package when hired. Sometimes you must wait a certain length of time for dental insurance to become active, but these benefits may still be available to you. The most common types of insurance offered by employers are PPO’s and HMO’s. While PPO benefits allow you more options as to what providers you see, you may have to meet deductibles and pay copays. HMO plans usually require you to see just one dentist or dental facility, but the out-of-pocket expenses are minimal. Some employers give either as insurance options, so choose the best for you.
Find a Third-Party Option
If your employer doesn’t offer dental benefits, you still have insurance options. You can always choose to purchase a PPO or HMO plan yourself through many of the companies that provide these services. They would be the same plans, but instead of an employer paying the premium or offering a discounted rate for the premium, taking the rest from your wages, you would pay the premium yourself. With so many insurance options, taking your time to choose the right one is important, so you have the best coverage for your needs.
Coverage Through Government Programs
If you have Medicaid or Medicare you may also be able to get coverage for preventative care as well as basic coverage for simple services through those programs. If you aren’t able to use a PPO or HMO plan, this can be a great insurance option for getting the dental care you need. You can call your Medicaid or Medicare representative to find out exactly what insurance options you have for dental coverage, or your dentist’s office can help you find out before scheduling services.
Help Through Your Dentist
While you always have dental insurance options through third-party services, you may also have options through your own dental clinic. You can save quite a bit of time using dental insurance through your own dentist because you won’t have delays trying to get your procedures covered. You can save money on procedures instead of having to pay full price.
It is important to take care of your dental health just as diligently as you take care of your physical health, as your dental health greatly affects other aspects of your health. With options at your disposal, affording necessary dental procedures doesn’t have to be a hassle. Be sure to discuss all of your insurance options with our friendly staff today to get the best dental experience.