Showing posts with label dental insurance. Show all posts
Showing posts with label dental insurance. Show all posts

Friday, October 13, 2017

5 Tips for Managing Dental Insurance Costs




Regular brushing, flossing and generally taking care of your teeth contribute a lot to your dental health. 

Going for the right dental insurance coverage also plays an important role to your dental health. Dental insurance is not as popular as the other forms of medical covers available but it can have a significant impact on your finances if not well utilized.

If you do not utilize your dental insurance cover well, you might end up paying the costs from your pockets. This will not look nice on your personal finances

You should consider smart ways of using your dental cover well to save you lots of frustration and money in the long run. Here are 5 tips for managing your dental insurance costs.

Going for the Right Plan


In order to save on your dental insurance costs, you must first choose the best plan. You should go through your preferred plan carefully before signing it to check whether the benefits you stand to get will be worth the cost. 




There are so many dental plans that come with lower coverage limits. This will mean that your dental insurance will cover up to a certain limit and then you will have to shoulder any amounts above that.

The best insurance plan should be the one where the maximum benefit you stand to get is higher than the amount you pay as your premium. 

A dental insurance cover will help reduce your costs as the company will negotiate for lower rates with the dentists in your area. After making your choice, ensure that you fully understand the coverage that you will get to enjoy.

Timing


You should plan your procedures well in order to maximize on your dental coverage. If your dentist in New Hudson, Michigan has recommended that you undergo a number of procedures, you should not do them all at once if they are not emergencies. 

Doing them all at once will exceed your maximum benefit and force you to pay the extra costs from your pockets. You should check when your benefits are due for renewal and schedule the procedures just before they expire and immediately after. 

This will increase your coverage and save you the agony of paying for dental costs from your pocket. Dentists will help a lot in planning for your schedules to maximize your coverage.

Staying in Network


Staying in the network of your dental plan will assure you of spending the least amount of money from your pockets. It will see you pay less for your dental procedures as your insurance cover will cover most of them. 

You should always ask your insurance provider whether they need to approve your dental work before you pay your preferred dentist a visit as it will save you a lot of hassles later on.

Shopping Around


Just like the normal medical procedures vary in terms of costs from one area to another, dental treatments also vary. Even though you are insured, you should consider shopping around for reasonable rates without compromising on quality. 

This will ensure that one dental procedure does not exceed your annual maximums leaving you stranded the rest of the year. You should call around and inquire the rates that different dentists charge for the specific procedure you need to undergo.

Discount Plans


If your dental insurance has lower limits, you can consider going for discount dental plans to save on your costs. These discount plans give you access to a number of dentists who offer their services at discounted rates for patients paying in cash. The discounts range from 20%-30% and at times more.


Final Thoughts


At the moment there are so many dental insurance options available for you to choose. You should consider getting a plan that offers you with the right balance on costs versus savings. You should follow all the above tips in order to manage your dental insurance costs better.


Wednesday, October 11, 2017

5 Factors That Affect How Much You Pay for Dental Work



In today’s world, having a beautiful and healthy smile is a crucial factor and this explains why so many people are opting to undergo cosmetic surgery procedures. If you are considering cosmetic dentistry then you will be worried about the cost of the procedures given the prevailing harsh economic times. 

However, you should not worry much as there are so many payment options and reasonably priced packages to choose from. In order to get the best rates, you should consider the various factors that influence the costs you have to shoulder for various dental procedures. 

Here are five factors that affect how much you pay for dental work.

Dental Insurance


Dental insurance cover affects the overall cost of the services you get from your preferred dentists. If you have taken an insurance cover, you will most likely pay a slightly lower amount than people who do not have it. 

If you are looking to undergo any dental procedure, it is advisable to first seek a medical cover as it will reduce the amount of money you will spend in the end.

Complexity of the Procedure


One huge factor that affects the total amount of money you spend on your dental procedure is usually the type of treatment you choose. 





If the procedure involved in the treatment method of your choice is limited, then you will pay a lower price. However, if the treatment method you opt for involves some extensive procedures then the price you pay will quickly increase. 

The procedure you have to undergo will depend on how crowded or crooked your teeth are as well as the brace type needed to realign them; for example, whether you get Invisalign in Channahon, IL or regular braces.

Type of Dentist


Cost varies with the type of dentist you have to visit for your condition. Different dentists charge various rates depending on their specialty, location and whether they operate from a public facility or private clinic. 

Dentists who run their own private clinics have invested in specialized equipment and have to pay their staff hence charge slightly higher than their colleagues operating in public facilities. Specialized dentists will also charge higher due to their high skills and expertise in treating certain dental issues.


Fabrication Costs


A number of dental work like bridges, crowns, dentures, veneers and many more require some fabrication, which results in added costs. If you are set to undergo any of these procedures, you must factor in the laboratory charges that will be charged by the dentist when estimating the total cost of treatment. 

There are some dentists who will charge the laboratory costs separately while others include them in the total figure. You should therefore consider these charges when budgeting for the dental procedure.

Type of Teeth Requiring Treatment


Your type of tooth that requires treatment plays a significant role in determining the final cost of the procedure. Different types of teeth attract diverse rates when they are being worked on by dentists. 

For instance wisdom teeth removal or treatment costs a lot than other types. Wisdom teeth require specialists and you might find your dentist referring you to another who has specialized in dealing with them. This will attract extra charges due to the amount of work and procedures required to correct or remove your wisdom teeth.

Final Thoughts


Dental procedures are diverse and hence attract different charges depending on the location you are based in and the specific treatment you require. The more complicated the dental procedures you require done on your teeth, the higher the cost you will be required to pay in the end. 

You can be able to make an estimate of the total cost you will be required to pay your dentist by considering all the factors listed above.


Tuesday, August 22, 2017

How Good Dental Health Can Save You Money in the Long Run



Photo by Daniel Frank on Unsplash
Everyone is looking for a way to save money no matter how much they make or spend. The world is filled with people looking to make wise financial decisions, and many of them forget just how easy it is to save money in the future by making wise decisions today. 

One of those wise decisions involves seeing the dentist regularly. You might think it costs you money to see the dentist when you could just skip out on those appointments and save a copay, but you’re mistaken in thinking this. 

Seeing the dentist regularly actually saves you more in the long run. 

You Catch Problems Earlier


When you make it a habit to see your dental professional at least twice a year as recommended, you save a lot of money in the long run. The more often you see your dental professional, the more likely they are to find issues within your mouth before they have a chance to get worse. 




When your dentist is able to locate and identify dental issues inside of six months, you get a chance to have them cared for now for a lot less than they might cost later.

For example, if your dentist locates a cavity before it even has a chance to break through the tooth, they can get rid of it for a lot less money now than they can after it’s had time to get into the tooth and cause major damage. The longer dental issues sit without resolve the more expensive they become to fix. 

Cleanings Prevent Health Issues


Imagine how much money people spend when they spend weeks in the hospital following a heart attack, or how much money they spend on prescriptions when they’re diagnosed with heart disease or diabetes. Imagine the cost of fighting cancer. 

Photo by Jon Tyson on Unsplash
Every time you skip a trip to the dentist, you increase your risk of being diagnosed with one or more of these health issues. This means you might be the person spending hundreds of thousands of dollars on medical bills to fight a life-threatening disease if you forgo the dental office visits recommended.

According to River Region Dentistry, a Montgomery dental clinic, every time your teeth are cleaned your dentist makes it less likely that you will develop gum disease or periodontal disease. 

It’s a lot better to go to the dentist now and pay a small copay than it is to pay for major disease treatment later. Think of every visit as investment in your future.

You’re Educated


The more you visit your dentist, the more you learn. When you learn more about your oral health, you learn a lot more about your good health. It’s easy to care for your teeth when you have the help of someone who is familiar with dental health helping you along the way. 

Your dentist is going to help you find your weak spots, and he or she is going to provide you with tips and tricks that might make it easier for you to brush and floss and maintain better oral health.

Dental insurance is relatively affordable for many people, and it helps offset the cost of dental procedures. If you don’t want to see the dentist when you’re scheduled, just remember that you might really pay for that decision later. Your overall health is not worth the few dollars you might save now. 

Call the dentist to schedule an appointment. Your health depends on making this call, and so does the bottom line in your financial future. Good health and good financial decisions come with making the right decisions now. Don’t do what’s easy. Do what’s right.


Wednesday, February 15, 2017

An Overview of Dental and Vision Insurance Plans



As the risk of dental and vision conditions increases with age, ensuring that you maintain good health with routine checkups and examinations becomes even more important in your 50s. 

As such, it may be worth supplementing your current health insurance plan with dental and vision insurance so that you are protected in the event that you require undergoing a costly dental or vision procedure.

This guide by global insurance broker Pacific Prime Singapore provides a useful overview on what to look out for when it comes to purchasing dental and vision insurance. 


Why it’s important to consider dental and vision insurance


We all understand that ageing comes with an increased risk of a range of dental and eye health problems. For example, older adults have a higher tendency to develop periodontal disease, and there’s also the added risk of cavities as the root of your tooth becomes softer and more vulnerable with age. 

In your 40s and 50s, symptoms associated with presbyopia, a vision condition that causes difficulty in seeing up close, will become more and more noticeable.

It is widely known that the US has the highest cost of healthcare, and dental and vision related costs are no exception. 




This is especially true if you choose to seek treatment in private facilities, where the cost of Invisalign braces can set you back by US $6000 or more! An eye exam alone can cost over $300, and LASIK surgery can cost up to $4000 per eye.

These high costs, coupled with the increased risk of age-related dental and vision conditions, are two of the major reasons why many choose to consider dental and vision insurance. 


Types of dental and vision insurance


In most cases, dental and vision insurance are available as an add-on benefit which comes with its own additional premium on top of your health insurance plan. That being said, some insurers do offer plans that comprise of mostly dental or vision benefits.

If you travel or move countries often, you may also want to consider an international health insurance plan with globally portable dental and vision benefits. 


Dental insurance options


Typically speaking, there are two main types of dental insurance: routine dental treatment and major dental treatment.

The routine dental treatment option covers more common forms of dental costs such as consultations, X-rays, fillings, emergency treatment, and root canal treatment. 

Because this type of insurance covers less expensive procedures, it usually charges a lower premium than the major dental treatment option.

The major dental treatment option covers major dental treatments, including but not limited to periodontitis treatment, gingivitis treatment, bridgework, root scaling, temporary crowns, porcelain crowns and gold jackets. 

Adults over 50 are advised to secure this type of dental insurance as they are at a higher risk of requiring major dental treatment.

Please note that dental insurance does not typically cover cosmetic treatments (e.g. whitening) but some plans do offer discounts on such procedures. 


Vision insurance options


There are two main vision insurance options, namely the vision benefits package and the discount vision plan.

The vision benefits package will usually offer coverage for eye exams, frames (including multifocal glasses and reading glasses), as well as contact lenses. 

This type of plan will usually come with a co-payment, which is the pre-specified amount (as detailed in your insurance plan) that you will need to pay for every vision-related treatment or service.

The vision discount plan also offers coverage for eye examination, frames and contact lenses, and usually charges a lower premium than the vision benefits package option. 

This type of plan works a little differently because instead of paying out on claims, this option provides a percentage discount instead on every ophthalmic service covered by the plan.

Please note that not all vision insurance plans will cover LASIK surgery and PRK vision correction, so it’s highly advised to read the fine print or consult a broker before purchasing a plan.


These plans will usually have a waiting period


It’s important to be aware that add-on benefits such as dental and vision insurance will usually have a waiting period, which is the duration of time (anywhere from 1 to 24 months) you will need to wait after securing a plan before you are eligible for submitting claims on that benefit. 

During this time, you will likely have little to no coverage benefits. The reason why insurers impose a waiting period on plans is so that it prevents people from purchasing a policy right before they need to undergo an expensive procedure.

Navigating through the numerous insurance options available to find one that suits you best can be difficult to do all on your own, so it often pays to talk to a reputable insurance broker like Pacific Prime Singapore to find the best value plan for your needs.

Author bio

If you are looking for the most reputable and trusted insurance plans on the market, Pacific Prime Singapore - a global health insurance advisor will definitely be able to help you. Their team of experienced insurance advisors offer a wealth of experience that you can rely on.



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