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Dental 4 Less – What is the best dental plan with low cost for major services?

I need a root canal. What would be the best dental insurance plan to get a root canal done at the lowest possible cost? My dentist told me that if I were to seek dental insurance to help me with the root canal cost, I would need to get a PPO. Would a PPO offer me the lowest price of a root canal treatment? I do not have $1600.00 for the root canal and a crown. 

Reply: Your dentist may advise a PPO primary because they do not accept HMO dental insurance plans. (you may want to call your dentist to confirm) If that is the case and you wish to stay with your current dentist, it is essential to read the plan terms and conditions carefully. Most PPO plans have *waiting periods that will affect the very dental care service you need. You will want to make sure you buy a dental PPO plan that does not have waiting periods. Also, ensure the *maximum limitation is high enough for your dental care needs. 

Consider reviewing a dental HMO insurance plan if you want to change to a different dental office. An HMO insurance plan has fewer benefit restrictions than a PPO, but you must choose a dentist in the plan network of providers.  

  • Maximum Limitation:  A maximum limitation is the highest amount of money that a dental insurance plan will pay toward your dental care in a year. Suppose your dental insurance plan has a maximum limitation of $1,500, for example, and your dental care costs exceed that amount in a year. In that case, you will be responsible for paying the remaining balance out of your pocket. It is essential to review the maximum limitation of a dental insurance plan before purchasing it to ensure that it will cover your dental care needs adequately.
  • Waiting Periods: Waiting periods are the amount of time that must pass before certain benefits of an insurance policy become available. In the context of dental insurance, waiting periods may apply to coverage filling, root canals, and crowns. When reviewing a dental PPO plan, make sure to know the waiting periods for basic and major dental care services. Typically, there are no waiting periods for preventive care. 
Posted on Wednesday, Feb. 7th 2024 8:50 AM | by Gina | in Dental Insurance | No Comments »

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