When it comes to dental care, there are a variety of insurance plans available to cover the cost of treatments. Preferred Provider Organizations (PPO) and Table or Schedule of Subsidy plans are two of the most common types of dental plans. It's important to look for a plan that covers important restorative care, such as crowns, bridges, and dentures. The annual maximum is the most your plan will pay for covered services in a plan year.
If you reach that limit, you'll be responsible for any additional costs. If you anticipate needing more restorative care, it may be beneficial to choose a plan with a higher annual maximum and more restorative coverage. Full coverage can mean different things to different people. For some, it means that a dental insurance plan covers routine checkups, cleanings, and x-rays.
Others hope that a full-coverage plan will reduce the cost of any dental care they may need. If your health plan includes dental benefits, your monthly premium should cover both medical and dental coverage. If you decide to buy dental coverage as a supplemental benefit, you'll pay an additional premium for your dental plan. Most dental plans cover basic treatments and preventive work, but there are some procedures that many don't offer coverage for. It's important to consider the costs of a dental plan compared to the typical annual costs of dental care. Dental insurance plans can reduce the costs of emergency tooth extractions and cosmetic procedures such as teeth whitening.
Some plans require that you or your dentist submit a treatment proposal to the plan administrator before starting treatment. You can search for individual and family plans that include dental coverage using the eHealth plan search tool. Having dental insurance can provide peace of mind, especially considering the high cost of dental treatments. If your health plan covers dependents under 18, the law requires the plan to have dental benefits available as part of its health coverage or as a standalone dental plan. If you can't find affordable dental insurance, you'll likely have to pay your dentist in advance before treatment. It's important to understand the basics of dental insurance before deciding if you want to add dental benefits or search for a health plan that includes them.
Humana group dental plans are offered by Humana Insurance Company, Humana Dental Insurance Company, Humana Insurance Company of New York and The Dental Concern, Inc. When comparing types of dental plans, consider what type of dental care you expect to need. Knowing what type of insurance is available and what it covers can help you make an informed decision about which plan is right for you.