Dental Insurance

Dental insurance is typically specifically excluded from most health insurance plans, with the occasional exception where some coverage is given to treatment for accidental injury to natural teeth, with certain conditions attached. Otherwise it is virtually always excluded. Dental insurance benefits and costs may be added to some standard health insurance plans as an insurance rider, but normally people will be required to take out a separate dental insurance plan, or a dental health insurance plan.

Some dental insurance plans will also include some standard benefits for eye care. Dental insurance plans work to a large extent on the same basis as most healthcare plans, in the sense that they will have very specified treatments and benefits, as well as having deductibles and co-insurance costs. Insurance companies that provide dental insurance plans will also have an in-network and out-network of dentists who provide care, with the same cost balancing that is applicable to most healthcare plans.

This means that if you go to a dentist who is out network in terms of not belonging to the network of dentists agreed with the insurance company, then the insurance company will pay a much lower percentage in terms of benefits that are applicable under the policy. The reason for this is simply that the insurance company will have negotiated a cheaper set of rates with that in network providers, in order to encourage patients to go and see them and maintain some degree of control over costs.

The other important thing to bear in mind about dental insurance policies is that virtually all of them will have a waiting period, a sort of time deductible, that applies to certain major work being done such as root canal work or removal of impacted teeth.

Dental Insurance Provisions

The waiting period for this type of work can often be six months or a year. This is normally to try and make sure that the insurance company is not liable for work that people know needs doing, and take out an insurance policy to pay for it. It is however a major drawback of dental insurance plans as work of this nature can be extremely expensive, and often cannot be left for the time period that the insurance policy will precludes it.

Some dental insurance plans also include what they refer to as a vision plan, which covers very basic eye care. As with dental insurance and health care insurance, the insurance company will have what they refer to as preferred providers and non preferred providers, which essentially is the same as in network and out network providers, this will not be affected by Obamacare.

The benefits of cover provided under a vision plan extension to a dental insurance plan normally covers things such as an eye examination, spectacles and contact lenses. There will be very specific criteria as to whether or not these are medically necessary, and limits as to the number and type of prescription glasses and lenses that can be accessed as benefits under the policy.

There may also be some type of benefit or discount on laser eye surgery and hearing aids as part of the vision plan rider to a dental insurance policy.

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