What are some of the important factors that that need to be considered while deciding on a Dental Insurance Plan?
This article provides some basic pointers to employees that they should keep in mind while deciding on a Dental insurance Plan:
- What part of the premium paid by the employees is attributed towards their care, and what part goes towards administration charges?
- The type of coverage the dental plan has. The employee should determine what is covered and not covered by the plan, such as braces, root canals, periodontal disease treatment, oral surgery, bridges, and crowns. This helps them decide the mode of treatment when they visit the office of their dentist.
- Whether the plan covers all- diagnostic, preventive, as well as emergency services and includes full mouth X-rays. Some of the preventive services such as sealants and fluoride treatments could be beneficial to the patients in the future.
- Whether the insurance plan covers dentures, implants, and other major treatments such as temporomandibular disorders.
- Are the employees allowed to choose a dentist of their choice or do they have to pick one from a list provided by their employers?
- Can the employees also pick from a list of specialists if they the condition becomes complicated?
- Does the employee and his or her dentist have the freedom of choosing the mode of treatment?
- What happens in case of emergencies, especially if the patients are not in their hometown?
There are two main kinds of Dental Insurance Models – those that charge a fee-for-service and those that provide Managed Care. The first kind gives more freedom to the patients, and they can choose their own dentist and pay the fee that is charged by them.
The second plan is aimed at saving the cost of treatment and payouts. Therefore, the coverage is generally limited, and the employees are not free to choose a dentist and the type of treatment available, the number of times they can visit the dentist, and the level of treatment that they receive.
Although the type of dental coverage does affect the kind of treatment the employees receive, they should not rely on it completely. For the convenience of the readers, these plans are discussed in more detail on the next page.