What You Need to Know About Dental Health Insurance

Dental insurance varies in many arenas: How much you pay for them. How much they cover. Whether or not there is a deductible. What the annual maximum is. It’s all so confusing! Especially when you start breaking down the types of dental plans.  That’s why we’ve decided to break some of them down for you.

- Regular Dental Insurance
This insurance allows you to visit any licensed dental provider.
• Benefits directly or sent to your provider
• No network needed
• Insurance pays a portion
• Patient pays the difference
• Least restrictions, but most expensive

- PPO Dental Insurance
Close to regular insurance, with some differences.
• Allow patients to go to any license office
• However, can choose network provider to pay less out of pocket
• Must use dentist out of network to receive full coverage
• Can be less expensive

- DMO/HMO Dental Coverage
A dental care provider gets a small payment every month for each patient on their insurance list.
• Reduced fee when you see the doctor
• No benefits elsewhere
• Generally means long waiting times for appointments

- MSA’s and Direct Reimbursement Plans
• Administered by employers
• Allows patients to pre-pay for health care before tax money or submit paid invoices for direct reimbursement

Get the dental plan mix that fits your lifestyle with us. We’ll help find the right insurance coverage for you, at a price you can afford. Call us at (229) 435-2427 today or click here for a free quote!