Which dental insurance plan is best for me?
Which dental insurance plan is best for me? The price of dental treatments is the main reason why people stop visiting the dentist as often as they should. However, there are ways to ensure that the visit to the stomatologist is not so excessive. They are the PPO or HMO dental insurance plans.
Depending on the situation of each person or family, one or the other may suit you.
PPO plans, although a little more expensive than HMOs, mean freedom since the patient can consult with the dentist of their choice as long as they are licensed. Of course, you will pay less for treatment if you choose a dentist within the plan’s network.
Other features of most PPOs are that they have maximum annual coverage, -from $ 750 to $ 1,500-, policyholders must pay either an annual deductible or coinsurance and the plans have a waiting period before they become effective.
The maximum annual coverage is important, as it is the amount that the insurer will pay for the services covered in the plan. Once this figure is reached, the insured will be responsible for paying for the entire additional treatment received. Or you can choose to wait until the following year to start over.
Another requirement of PPOs is that the patient must first meet the annual deductible after which the insurer begins to pay its percentage of the costs covered by the plan.
For their part, HMO plans are usually a bit cheaper than PPOs. However, the insured must-see dentists within the plan’s network and, in addition, they must have a primary dentist. HMOs, do not have a maximum annual coverage cap and an annual deductible. However, the patient does have to pay coinsurance for the treatments she receives.
Both plans generally cover 100% of two preventive visits per year, which include oral exams, cleaning, certain types of x-rays, fluoride treatments, and sealants. Complicated restorative and surgical treatments may be covered up to a certain amount. Which dental insurance plan is best for me?
If you want to know which plan is right for you and your family to keep your dental health up to date, call Univista Insurance and the specialists will recommend the cheapest and most convenient dental plan.