Dr Dental Dental Insurance – Important Dental Insurance Facts
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.