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What is Supplemental Dental Insurance and How Does it Work?

It could be hard to understand supplemental insurance without knowing what dental insurance is. Dental insurance is one of the most important insurances that a person could have. However, it is very wrong to think that a primary dental insurance would cover all of the dental procedures that you might need. You could save money on some major dental procedures if you’re lucky, but it is very rare that the amount of money that you’d have to take out of your pocket will greatly be reduced.

Supplemental dental insurance is just that – supplemental and supporting. You cannot rely on it to act like a primary insurance, nor can you expect it to feel like you have one. Simply, a supplemental insurance exists to make sure that people get to spend less than what they should with a primary dental insurance. The costs of the dental procedures, checkups and medications would greatly be reduced if a person has both primary and supplemental insurance. The regular insurance wouldn’t be able to save you much, and learning about support insurances might take out a great fraction of the costs.

Supplemental Dental Insurance Types

There are different types of supplemental dental insurance. Maintenance plans are those which are concerned mostly with the prevention of certain medical diseases, as well as the maintenance of your dental health. Next, we have what is known as the PPN or the preferred provider network. With this plan, a patient’s choice of dental care providers would be limited to a network that the policy would provide. Scheduled plans are supplemental dental plans which could help you lessen dental care expenses too. However, this works within a certain budget and timeframe. And lastly, you can have the dental discount. Dental discount features discount cards, and this is a helpful feature which could greatly lessen simple dental care procedures.

Supplemental Dental Insurance Tips

It could be very easy to obtain a supplemental dental insurance too. First off, you might want to learn everything there is to learn about your primary insurance if you have any, or look into the reason about why you don’t have one. Then, decide on the type of supplemental insurance that you want to have. You can have as many or as little as you like. You could check on different companies, but you have to make sure that you will land on the best for both your budget and dental needs.

It is very important that one has supplemental dental insurance. Dental health, though comprised of quite a lesser portion of the body, is one of the most serious, and most sensitive of all. It has been observed here and all over the world that there is actually a link between dental health, overall health and human longevity. Those who take care of their teeth more are known to live longer, and with less life-threatening diseases as well. All of these and more are the reasons why it is important that one has supplemental dental insurance.

Supplemental Dental Insurance and Why You Need It

So many people end up putting off dental work simply because they know that they can’t afford it. It can be hard to justify spending money on your teeth when the money is not available, but it’s important to take care of your teeth throughout your life. If you are having problems that can only be resolved with professional dental work, you absolutely need to visit the dentist or oral surgeon in order to get it fixed. Tooth problems are painful, and they can lead to infections and abscesses if not taken care of right away. Although putting off your dental work might seem like the only thing you can do at the time, you need to make sure that any problem is immediately addressed.

If you belong to a business which offers dental insurance, you might consider yourself lucky. Not all businesses in the United States offer dental insurance in their coverage, so having this dental insurance can make having work done at the dentist a lot easier and, more importantly, less expensive. However, you will probably find that this insurance does not cover all of your dental needs. Many insurance plans only cover somewhere from $1,000 to $2,000 worth of dental work, and many operations or procedures can easily exceed that amount. Not only that, but some dental insurance plans only cover your expenses after you have already paid into the insurance plan for one entire year. What happens if you need dental work before that? And what happens once you exceed the amount that your insurance plan covers? Many people end up just paying the additional amount, even though it’s expensive, but that doesn’t have to be your only option.

A supplemental dental insurance plan could help to cover the rest of the expenses. These plans come in two different varieties: discounted and the Preferred Provider Network (PPO). Which ones you eventually choose will depend on your individual preferences and how much and why kind of dental work you need. While they might seem similar, you should take a detailed look at how each one works in order to decide which supplemental dental insurance plan is best for you.

The first type of supplemental dental insurance plan we mentioned was the discounted variety. With this kind of supplemental dental insurance, you will be given a list of procedures that you can receive and what the cost of those procedures will be. If you already have a group dental plan through your job, you are probably already receiving discount rates for the dentists that accept that insurance plan. However, the discounted supplemental dental insurance plan can allow you to visit dentists that are not covered through your original insurance. More importantly, they also allow you to receive these discounted rates no matter how many dental procedures you go through that year. While many group plans have caps on the amount of procedures you can have or how much money you can save with that discount, the discounted option does not. This makes it a great choice for those people who have waited for a long time to go to the dentist or oral surgeon and need a large amount of dental work done in one year.

The second type of supplemental dental insurance plan is the Preferred Provider Network, which works similarly to a group plan. As long as the dentist accepts your provider, part of your dental work will be able to be covered. The amount of coverage ranges from $1,000 to $5,000. You will have to do your research on which dentist you would like to visit and whether he or she participates in the network. Although PPO plans generally cost more than the discounted plans do, they also have the ability to save you more money if you plan everything correctly. That’s why it’s so important to make sure that you know all of the qualifying dentists and procedures. Be prepared to ask a lot of questions in order to find out what you need to know, but never be afraid to call up a dentist or insurance policy provider and ask exactly what would be covered through your supplemental dental insurance plan.

A supplemental dental insurance plan could end up saving you thousands of dollars, especially if you have decided to have dental work done sometime in the near future. Remember to look at all of your options and know all of the facts about what your current policy does or does not cover. The supplemental dental insurance plan can help to cover things that your original plan cannot. In the end, it can certainly be worth spending the extra money on a supplemental plan rather than pay out-of-pocket fees later for expensive dental procedures. Be sure to look at the rates of the plans and decide which one best suits your needs.

Updated: 06 September 2013

Helpful link: Supplemental Dental Insurance