Dr Dental Dental Insurance – Important Dental Insurance Facts

12/20/23 2:09 PM

Dental Insurance Facts: It is essential to know how dental insurance works and how it helps you save money. Here are a few facts to consider when buying dental insurance to buy the right plan for you and your family.

1) Dental insurance is not designed to pay 100% of all dental services rendered. Dental insurance helps you with the cost of dental services by making dental care more affordable.

2) Dental insurance coverage differs and will vary from plan to plan. Some plans pay out by percentages up to UCR, whereas other dental plans provide a fee schedule for dental services covered, stating the amount you pay for each service. It is up to you to read the plan’s terms and conditions to understand its benefits.

3) Generally, PPOs or Indemnity insurance plans base their coverages on percentages up to UCR rates. For example, 80% paid for basic dental services up to what is Usual, Customary, and Reasonable. UCR is the common term for insurance companies’ fee guidelines to pay claims. UCR guidelines were put in place to help control dental inflation. Generally, with PPO plans, when you stay within the plan’s network of providers, you have a lower risk of having UCR fees.

4) Most dental insurance plans provide coverage for routine dental services. However, that is not always the case regarding cosmetic dental care treatment. If you want cosmetic dental care, make sure the dental insurance plan you are buying covers those types of dental services, or you may want to review dental discount plans that can provide up to 20% off cosmetic dental care services.

Posted by Carol | in Individual Dental Plans | No Comments »
Leave a Reply

You must be logged in to post a comment.


DRDENTAL.COM DISCLOSURES: This is not an attempt to describe the product coverage and its' contents but merely used as a sales tool for the purpose of product illustration. The website and its' owners cannot make recommendations as to whether any illustrated product may meet the users' particular needs. Therefore, the suitability of the product is the final determination of the user of this website. The use of this website is acceptance of the sites' privacy statement. Coverage is not in effect until an application is signed, transmitted, payment received and approved by the underwriting company unless otherwise specifically stated. A physical and/or background inspection may be done to verify the information provided. The quote(s) will be based up on the underwriting information you supplied and the quote(s) is/are subject to change upon inspection and review by the underwriting company. The underwriting company reserves the right to determine the final coverage, premium and acceptability  If you have any questions regarding the information collected, please contact the agency. All quotes are provided by DEL AMO Insurance Services, Inc,. DBA:  InsComp Insurance Services and/or one of it's affiliated agents, brokers, agencies, brokerages, and/or companies  Lic: 0B93601  Agent David Blunt, Lic: 0638553. Commercial use by others is prohibited by law. No portion of any news or information from this website may be photocopied, faxed, mailed, distributed, transmitted, published, broadcasted, duplicated, or re-distributed in any manner for any purpose without prior written authorization of its' owner.