dental Article:

Dental Insurance An Overview
By Lesley Lyon
The need for insurance is very crucial as people are becoming aware of the fact that the costs involved in taking care of the teeth and gums are very expensive.  In order to be healthy and to take good care of the teeth, insurance can be very reasonable and levelheaded precaution.  insurance normally covers the examination of the teeth, checkups and fillings.  insurance is as important as the life insurance coverage plans, home insurance and car insurance since every one needs good teeth for speaking and eating.  Doctors are now emphasizing the need to keep the mouth and teeth clean and healthy as they may lead to heart disease.

<b>Types of insurance:</b>

There are several kinds of care plans and insurance that can be availed as a private insurance or individual insurance plan or offered as benefit to the employee by the employer called the corporate insurance.  Some may only provide coverage to cleanings and examinations while some provide insurance coverage to procedures too.  Some insurance policies can also be availed as family insurance plans.  The costs of these insurance policies are low, yet effective and vital to all.  

Capitation insurance type involves paying the dentist a fixed amount for each patient registered.  In turn the dentist will give a free routine care, but then the clients need to pay a certain amount for every visit and the coverage of non-routine work will depend on the kind of insurance policy taken by them.  This type of insurance coverage is quite affordable and

can be paid as monthly premium.

If a person opts for an indemnity insurance plan, he is free to select his own dentist which means that the cost of any work carried out will be reimbursed by the insurance provider.  Normally 50 percent  80 percent of the cost will be covered by the insurance policy and the remaining amount has to be paid by the policyholder.  The main disadvantage of the indemnity insurance policy is that they only cover certain procedures that have been mentioned in the policy document and deductibles for non-preventive work can be very high.  

Greater extent of reduced rates on care is possible through the preferred provider insurance policy that will provide care from the participating dentists.  If the policyholder uses the service of non-participating dentists the benefits can be reduced to a greater extent.  The employers provide corporate insurance policies to their employees as additional benefit. The extent of the coverage depends on the policy and can differ from employer to employer.  There is also an annual limit for claiming the amount for such insurance policies.

Private insurance policies allow the policy holder to choose the dentist from whom he would like to get treated, also the premium of such policies do not rise with aging.  Before utilizing the services the policyholder should have registered before 3-6 months depending on the plan.  The premium can be paid monthly, quarterly or annually.  Lots of insurance companies have sprung due to the demand for insurance by people who are not covered by their companies.