Extra Dental Insurance

Introduction

Dental insurance is an essential part of our healthcare system. However, sometimes your regular dental insurance may not cover all the necessary treatments, and you may need to get extra dental insurance to cover the costs. This article will provide you with all the information you need to know about extra dental insurance.

Extra dental insurance, also known as dental supplement insurance, is designed to provide additional coverage for dental services that are not covered by your primary dental insurance plan.

Let’s dive deeper into the topic and understand the importance of extra dental insurance.

Why do you need extra dental insurance?

Even if you have a comprehensive dental insurance plan, it may not cover all the dental treatments you need. Some dental procedures can be expensive, and you may end up paying a significant amount out of your pocket.

Extra dental insurance can help you cover the costs of these expensive treatments. It provides additional coverage for services such as orthodontics, implants, and other major dental procedures that are not covered by your primary dental insurance plan.

Types of extra dental insurance

Indemnity plans

Indemnity plans are the most flexible type of extra dental insurance. These plans allow you to choose any dentist you want, and the plan will reimburse you for the covered services. Indemnity plans usually have a higher price tag than other types of extra dental insurance.

One major advantage of indemnity plans is that you don’t have to worry about staying within a network of dentists. You can visit any dentist you want, and you will still be covered for the services.

Dental discount plans

Dental discount plans are another type of extra dental insurance. These plans are not insurance, but they offer discounts on dental services.

The way these plans work is that you pay an annual fee, and in return, you get a discount on dental services from participating dentists. The discounts can range from 10% to 60%, depending on the plan and the service.

Preferred Provider Organization (PPO) plans

PPO plans are a type of extra dental insurance that requires you to choose a dentist from a network of providers. If you choose a dentist within the network, you will get a higher level of coverage. However, if you choose a dentist outside the network, you may have to pay more out of your pocket.

PPO plans usually have lower costs than indemnity plans, but they also have a limited network of dentists you can choose from.

FAQ

Conclusion

Extra dental insurance can be a lifesaver when it comes to expensive dental treatments. With the right plan, you can avoid paying high out-of-pocket costs and get the dental care you need. Make sure to do your research and choose a plan that fits your needs and budget.