Your Dental-Insurance-Guide... Which Of The 5 Major Types Of Dental Plans Is Best For Your Situation?
This is a dental-insurance-guide about the general structure of the 5 major types of American dental-plans...
...and how you should go about choosing the type of plan that's right for your particular family or business situation.
This Guide Offers Insights And Recommendations...
...on which dental-plan you should choose and why.
With that said...
Your dental-insurance-guide... helps you to choose a dental insurance plan that's right for you, your business, or both.
Exactly how does this guide help you to choose a dental-plan that's right for your situation?
What are those * 3 areas...
* Number One... The Dental Plan's Overall Cost
Not just in terms of monthly premiums, but also in terms of cost that include deductibles, and other fees or penalties.
How do all these things figure into overall cost of dental plan to you?
* Number Two... The Dental Plan's Flexibility
Especially, in terms of being able to choose your own dentist. What's the dental plans policy, or restrictions towards visiting a dentist out of dental plan's network?
Some plans have very limited or small networks.
* Number Three... The Dental Plan's Coverage Limitations
In terms of limitations on what procedures are, or are not covered. And/or annual dollar cap limitations (maximums).
The plan's coverage limitations is often no more than a window... a window view of a plan's overall commitment to you and your family's oral health.
With that said, let's jump into our dental-insurance-guide discussion. Beginning with the first of our 5 major dental plans...
These plans are designed for employers or small businesses. These are your most expensive type of dental plans... more expensive than our traditional dental indemnity plans.
Why are they MOST expensive type of plan?
Next, let's look at...
Indemnity plans... also known as "traditional" dental insurance plans, your next most expensive type of dental plan.
Why are indemnity plans expensive?
Also, dental indemnity plans have deductibles and co-pays.
DPPOs are considered in-expensive (less costly premiums), dental insurance plans. They are one of two types of dental managed care plans, the other is DHMOs (see below).
Why are DPPOs less expensive than previous 2 major types of plans?
Next, our other managed care plan...
Dental HMOs are the other type of managed care dental plan. Dental HMOs plans are even cheaper and less expensive than DPPO's (again, in regards to premium cost).
Why are Dental HMOs so in-expensive?
Lastly, but certainly not in the least in providing quality service...
Discount plans are technically not considered insurance plans. Primarily (and fortunately), because there are NO third party administrators, or insurance carrier you must pay to process complex claim forms.
Instead, discount plans have negotiated a deep discount for you... before you enter dentist office.
Why are dental discount plans your LEAST expensive type of plan?
There you have the "short of it".
That Pretty Much Wraps Up Our Dental-Insurance-Guide Discussion
If you want more behind the scenes info about any one of these 5 major types of dental plans... see links below.
Your dental-insurance-guide doesn't just prefer discount dental plans because they're the most in-expensive type of plans.
No, I as your...
It's The Only Full And Complete (Comprehensive) Dental Plan
No other plan, within any of the 5 major types of dental plans, come close to offering you a discount... or even a partial reimbursement. Towards ALL or even MOST cosmetic or major dental work
Recommended plan offers you and ANYONE else in your HOUSEHOLD... comprehensive coverage. Regardless of whether HOUSEHOLD member(s) are married to you, your dependents, or not.
Do check them out... you'll be glad you did.
Finally, If You Want...
More behind the scene info about any of the 5 major types of dental insurance plans... simply click on link of interest below:
Take care, and...
16 Myrtle Ave - Albany, NY 12202