Dental insurance is not an individual health plan, in fact, it only serves as a supplement to basic health care. By having such plan, one can seek for treatment at a discounted rate or to get partial reimbursement. Generally, this plan acts as an ease of burden to the expensive expenses. However, what are the facts about dental insurance that you should know?

Fact 1 - Not "All-in-one" plan

It is not an all-in-one plan where it covers for all type of treatments. You should study the insurance products carefully before you decide which type of plan that suit you most. Some insurance provider only provide coverage on basic treatment such as yearly check up or teeth cleaning and some only provider coverage on major procedure such as root canal treatment, implant and surgery or tooth extraction.

Fact 2 - Limited choice of dentists

There are 2 types of plans which you need to take note of - Preferred provider Organizations (PPO) and Health Maintenance Organizations (HMO) plan. A PPO plan allowed you can choose your preferred dentist from a wide selection of dentist providers, on the other hand, a HMO plan only allowed you to choose your dentist provider from a limited dentist network provider. In fact, you have to choose your preferred dentist from the list of provider provided by the respective insurance providers.

Fact 3 - Limited coverage or benefits

The purpose of this insurance is to reduce the expensive costs of treatment. However, you do not receive much benefits out of it, but only to get a partial reimbursement or discount from the expenses you spent. For example, some insurance providers only reimburse 1000 dollars limit for dental treatment on yearly basis and this limit is to be renewed each year. Once you have utilized the benefit of 1000 dollars for this current year, you are not allowed to claim for this current year anymore.

Fact 4 - Not all insurance providers provide dental coverage

This type of insurance plan is considered a niche market in insurance industry, thus not all insurance company cover for such treatment and expenses.


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