Confused about dental insurance coverage’s.
Question: I am shopping for dental insurance but I am past the point of confusion. I looked at dental discount plans and they do not seem to cover major things like root canals, crowns and extractions. However full coverage plans like PPO are just to costly for me and I can not afford them. Is there any thing in between some type of insurance that is cheap like a discount plan but offer you better coverage’s.
Reply: Not knowing what dental discount plan you may have been looking at, I would say maybe you did not fully understand it. Dental discount plans for the most part will provide reduce and or discounted cost for all dental services render by a plan provider. Therefore generally things like root canals, crowns and extractions do receive a discount under the plan as well.
With regards to PPO plans. Though we do not use the term “full Coverage” they do provide preventive, basic and major dental care services however typically with waiting periods on basic and major dental services and yes these plans do tend to be more costly especially when compared to a non insurance product like a discount dental plan.
I would suggest that you may want to review or see if there are any dental HMO insurance plans. Dental HMO plans are a more affordable cost insurance plan generally without waiting periods. However you do need to choose a plan provider.
