What is covered by Dental #Insurance and How to choose a #dental plan❓ 👑

What is covered by Dental #Insurance and How to choose a #dental plan❓ 👑

Dental insurance can be very hard to
understand, but that doesn’t necessarily mean that it it is worthless. In order to
get the most benefits from dental insurance you will need to understand
how it works As always information is key in this
video I will explain how to benefit from dental insurance and I will try to
address such questions as how does the dental insurance work? what is the best
dental plan? what is the difference between the dental PPO and HMO plan? what
is a waiting period? how much does dental insurance cost? am i
required by law to have dental insurance? also I will address and that such topics
as individual versus group dental which one is better what is covered by dental
insurance what’s the difference between in-network and out-of-network here all
of this information will help you decide if dental insurance is worth the cost
please watch this video until the end as I will give out helpful tips and tricks
that will help you get the most benefits out of your dental insurance also feel
free to check out a side-by-side comparison comparison of various dental
plans and the case study that I will be posting in the description section under
this video ok so let’s get started how does dental insurance work if you’ve had
health insurance you are going to be very familiar with how dental plan works
if you are still confused I’ll explain how it works usually pay a premium every
month it’s a certain amount monthly to buy the dental insurance plan your
insurance won’t pay for everything so there are few things you might want to
know like deductibles coinsurance and co-pays what is that your deductible is
what you have to pay out-of-pocket for services covered by your plan before the
insurance company pays your plan may include co-pays this is a fixed cost you
pay for a certain service like for example an x-ray coinsurance
refers to the percentage you pay for covered expenses of Tanith your
deductible so if your coinsurance for a filling is 20%
and the cost for that service in network is $100 you would pay $20 for that the
insurance company would pay for the rest of your college expenses up to your
annual maximum how much does dental insurance cost well the answer is it
depends the HMO plans tend to be less expensive and PPO plans are a bit more
pricey before buying dental insurance first ask yourself what are your needs
to the map often your annual premium is less than
the cost of two visits to your dentist for a year for regular check-ups you can
call your dentist and ask for the price of a visit if you pay yourself without
insurance it’s likely that dental insurance is cheaper than paying for two
visits out of your pocket plus you get the added benefits of having dental
coverage that will save you money in case of unexpected dental issues that
could come up under this video I will have a sample comparison of various
dental plans available in California so feel free to check it out by the way
comparing the dental benefits side-by-side is a great way of
determining what type of plan would benefit you the most there are some
discount plans for as low as seven dollars a month obviously PPO plans
range from a bit more pricey and range from like $35 to $80 a month the
comparison is for information only and it’s based on California zip code for
individuals and families next am i required by law to have dental insurance
the answer is no the Affordable Care Act doesn’t legally require adults to have
dental insurance however having dental coverage is an important part of staying
healthy and having access to preventive dental services it is up to you whether
you decide to buy dental insurance but choose to pay the full cost of dental
care out of your pocket what is covered by dental insurance here is the typical
breakdown of dental benefits categories major it’s usually covered at 50 percent
which means them with paying 50% for the most of the time
crowns bridges dentures partials inlays onlays etc are considered major
procedures basic usually covered at 80% which means that insurance or the
patient pays the other 20% most of the time fillings extractions para dontel
services root canals core build buildup filling and root planning are considered
basic preventative usually covered at hundred percent which means that in
short or the patient pays nothing additional most of the time routine
cleanings like x-ray exams dental sealants it’s Azra are considered
preventative there are usually timing limitations to the cleanings and
sealants so this are different in almost every policy check on that alright and
in addition I would like to outline one very important aspect of dental
insurance most individuals and family dental plans have a waiting period for
basic and major services group plans or employee benefits plans usually don’t
have a waiting period due to various reasons due to the risk of adverse
selection the insurance companies can put and pose a certain a waiting period
for the individual dental plans for example some contracts will not let you
get any basic services in the first six months of the policy and you might have
to wait as much as 12 months in order to get major procedures covered there are
some exceptions and I will have one of those plans in my comparison chart that
I will post under this video now that you understand the basics of how dental
insurance works let’s talk about the types of dental insurance plans which is
another area that can be totally confusing and can change each time you
renew your health insurance if your dental insurance is part of that plan
it can change yearly and this can determine how much out-of-pocket you pay
so let’s explore various types of dental insurance and try to determine what is
the best plan for you there are three basic types of dental
insurance plans dental HMOs dental PPOs and dental indemnity plans to find the
best one for you you should consider what your most important deciding factor
saw for example cost keeping your dentist flexibility and so on and look
at dental plans that suit your needs let’s look at the key characteristics of
the three basic types let’s start with the dental HMOs
HMO stands for health maintenance organization if you participate in a
dental HMO you generally have lower premiums than either a dental PPO or an
indemnity plan no annual maximum – the benefits that the plan will pay a
restrictive network of dentists and dental providers no benefits for going
to out of network dentist or providers and a list of co-pays which is a
standard cost you will spend for office visits and specific dental services
let’s take a look now at a dental PPO plan PP o stands for preferred provider
organization if you choose a dental PPO plan you can expect higher premiums than
a dental HMO and annual maximum – your benefits for example at $1,000 per year
maximum or $2,000 per year max but it varies by plan and network of dentists
or providers that have agreed to offer discounted services and you can choose
to use to save money to choose those doctors some benefits paid to out of
network dentists – all providers you might choose to go instead a list of
percent the insurance company will pay for different dental services for
example many dental PP o–‘s cover a hundred percent of preventive services
as I mentioned earlier like exams and cleanings that may pay only 50% for
major expenses like crowns or bridges now let’s take a look at dental
indemnity plans this is a traditional fee for service insurance offering the
most freedom of choice you can expect higher premiums than either dental HMO
or dental video and annual maximum cheer benefits
as small deductible you have to meet no network of providers meaning you get the
same benefits with any dentist you choose but also meaning there are no
Network negotiated discounts or dental on dental services which means you can
pay a little bit more you could pay more a list of the percent the insurance
company will pay for different dental services just like the dental PPOs as I
mentioned earlier I will have a link to my blog with a side-by-side comparison
of these plans you can compare various plans and also see the cost of dental
insurance for each of the plans now let’s take a look at a very important
AXA aspect of dental insurance and find out what is the difference between
in-network and out-of-network dental care in network care means that you can
only see the doctor or doctors that are in network or have a contract with your
insurance company out of network means that you can go to other doctors but you
will have to be extra careful and don’t assume that because you will end up
paying more for out-of-network care here are few things to keep in mind cost and
convenience you can help make it more affordable dental care for yourself by
staying staying in-network a dentist in network has agreed to lower rates on
services and this could benefit you also some dental insurance plans don’t pay
any benefits to out of network dentists at all or pay less check your plan
before you buy finally if you stay in-network you often won’t have to deal
with submitting claims yourself the dental office and your insurance
provider will handle that on your behalf if you are out of network you may have
to submit your own claims and wait to be reimbursed again before you buy a dental
plan I will highly advise that you search whether or not your doctor is a
network or find another doctor that works with your insurance company now as
I promised in the beginning of this video here is a great information that
will help you navigate the dental insurance needs
first pay attention to when you are buying the insurance if you are at work
and the employer is offering multiple plans spend some time really researching
which point is best for your family or for yourself if you really only need
dental cleaning then maybe a basic dental plan will be sufficient if you
are planning a major procedure like a root canals crowns and said etc but then
you may want to get more expensive plan that pays more for this procedures and
is less likely to exclude services also call your insurance company and ask
questions remember you are paying the money so ask the question soon try to
understand your plan also read the booklet that you get from the insurance
company it is ultimately your responsibility to know how the plan
works so do your homework read the summary of benefits for your plan
believe me this will save you tons of money work with an insurance agent
agents will be able to compare various options and help you choose the one that
is best for you if you don’t have an agent we will be glad to help you we are
in California get a treatment point from your dentist this is a great way of
estimating what dental work needs to be done when it needs to be done and how
much it will cost you do the math call your dentist office and ask how much did
we spend a total aside from insurance last year if this amount is less than
you insurance premium maybe you should just pay out of your pocket or utilize
an HSA how savings account it really doesn’t make sense to pay more for
insurance then you get in benefits year after you again do the math it will help
you make the right decision in case there are other tricks that you
might want to share with the world feel free to comment under the video also we
always welcome discussion under our videos so feel free to participate if
you found this video useful please like it share it and subscribe to our Channel
it will not cost you a dime but it will help others a lot thanks for watching you you

Author: Kevin Mason

25 thoughts on “What is covered by Dental #Insurance and How to choose a #dental plan❓ 👑

  1. Video was very interesting and knowledgeable. There are Companies who will try and get over on a person or household family members. Especially now these days people really don't have the money to pay insurance or out of pocket. Just something to think about and read everything while doing your networking, before signing any documents.

  2. Wow, this guy doesn't have the first clue about what he's talking about. That's only my opinion. But it's the truth.

  3. Some good information, but you need to simplify and slow down your presentation. It is moving way too fast and you’re loosing your audience.
    Also, I think you failed to explain why most people would pay for more for a plan that has a annual maximum to the coverage you can receive, that does make sense as it out ways the benefits of being able to go out of network with some coverage for the majority of people

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