Is the Cheap "At Home" version really better? What IS all the hubbub about.
Dental Insurance is very confusing and somestimes downright baffling. It is not at all like Medical Insurance and those of you that have your Medical Insurance down I want to applaud you and send well wishes because it's the usual reason is that you or a loved one is chronically Ill and you needed to learn the language of Medical Insurances.
Dental Insurance is very confusing and sometimes downright baffling. It is not at all like Medical Insurance and those of you that have your Medical Insurance down I want to applaud you and send well wishes because it's the usual reason is that you or a loved one is chronically Ill and you needed to learn the language of Medical Insurances.
Dental Insurance is vastly different than Medical. Dental Insurance has slowly evolved over the past 30 years, some have remained shocking very similar to what they offered 30 years ago. I have broken down a few ways to get dental Insurance:
Most Insurances are based on a Calendar year (January - December), which means benefits start in January ( usually $1000-$3000 depending on what plan you have) and renew in the following January. Whatever you haven't used gets discarded. There are plans that have Rollover options where a small amount (anywhere from $500-$750) gets rolled over in addition to your new benefits. These rollover benefits can be cumulative or used first in the new year, depending on your plan. It's always a good idea to know how your plan works for you.
Now if you don't work for a Union, or have absolutely fabulous insurance ( like most of us ) our insurance does not pay at 100% all of the time. Most dental benefits are paid on a percentage rate:
Now if you think about it, if you are the type of person that only needs cleanings, exams and X-rays every 6 months you are using about $200-$400 a year of your benefits. If your mouth is a mess and need a crown or root canal every year, or even max out every year, then you definitely use your benefits to the best of your ability.
But time and time again, I hear several misconceptions. Here are a few:
With so many options today. There really isn't any reason to let your benefit go to waist if you need treatment. Make an appointment today before your Benefits run out!
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