Confused About dental Insurance Coverage.
Question: I am shopping for dental insurance but I am past the point of confusion. I looked at dental discount plans and they do not seem to cover major things like root canals, crowns and extractions. However, full coverage plans like PPO are just to costly for me and I can not afford them. Is there anything in between some type of insurance that is cheap like a discount plan but offers you better coverage?
Reply: Not knowing what dental discount plan you may have been looking at, I would say maybe you did not fully understand it. Dental discount plans, for the most part, will provide reduced or discounted costs for all dental services rendered by a plan provider. Therefore, things like root canals, crowns and extractions do receive a discount under the plan as well. With regards to PPO plans. Though we do not use the term “full Coverage”, they do provide preventive, basic and major dental care services, but typically with waiting periods on basic and major dental services, and yes, these plans do tend to be more costly, especially when compared to a non-insurance product like a discount dental plan. I would suggest that you may want to review or see if there are any dental HMO insurance plans. Dental HMO plans are a more affordable cost insurance plan generally without waiting periods. However, you do need to choose a plan provider.