There many big companies that offer their members some sort of dental insurance. If you are looking for the right dental plan then there is a need for you to see the kind of plan that is provided and what are the things covered under such plans. Basically, there are 2 types of plans that can cover all the things you or your family might need in terms of dental health. One of those plans might be the right one for you.
The Benefits Of Dental Insurance
Some reliable and trusted dental insurance providers have plans that provide great benefits especially to those people who are employed and families who need to spend for their dental needs. The following are some of the common benefits that you can get from such plans.
There are insurance companies like the Aetna who gives covers to any of these two: The Dental PPO Plan and the Dental PPO Plus Plan. The only difference between these two is the amount of money that is being paid by Aetna. The similarity of these two is that both of them are available for people who are 49 years old and under and those who are 50 years old and onwards.
These who have applied for a PPO Plus plan expect to get a 100% coverage on preventive and diagnostic dental services. Every member also gets an 80% cover on periodontal maintenance or cleaning services, denture repair, relining, and rebase. There are other treatments that are also 50% covered such as the oral surgery and endodontics (root canals) and basic restorative (fillings).
After one and a half years on PPO Plus plan, every member gets additional 50% cover on periodontics, prosthodontics (dentures), and crown and cast restoration. With a PPO Plus plan, a member gets an annual deduction of $50. Altogether, the annual benefit would be as much as $1,200.
On the other hand, if you have a PPO plan, you also get an 80% cover on preventive and diagnostic dental services. Every member also gets a 50% cover on rebase and relining, denture repair and maintenance, oral surgery, and endodontics. After o ne and a half year, the member also gets an additional coverage on prosthodontics, crown and cat restorations, and periodontics. So with the PPO plan, the annual; deduction to a member is $100 and the annual benefit would be $1,000.
However, you have to take note that there also some treatments that are not covered by such plans like the treatment for temporomandibular joint or TMJ dysfunction. T his is one particular dental problem that is not covered by either plan.
So, with the dental insurance benefits we can get from a dental plan, do you still consider if these plans are worth the money we pay every year or not?